Lead Credit Risk

Adyen

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. TEAM LEAD CREDIT RISK EMEA (BASED IN AMSTERDAM) As the Credit Risk Team Lead for EMEA, you will lead an Amsterdam-based team of high-performing risk professionals. You will primarily manage merchant acquiring and chargeback risk across a diverse portfolio of global enterprise brands. Your core mission is protecting Adyen from portfolio losses due to chargeback exposure, merchant insolvency, and systemic operational fraud. In this role, you will coach and guide the team, ensure the delivery of high-quality risk assessments, and collaborate closely with our regional risk hubs in Chicago and Singapore. You will partner with Commercial, Product, and Legal colleagues to balance business growth with sharp, proactive risk management. WHAT YOU’LL DO * People Leadership: Lead, mentor, and scale the Amsterdam-based risk team. Support professional growth through regular coaching, goal-setting, and playing a key role in recruiting top-tier risk talent. * Risk Mitigation: Oversee the monitoring and mitigation of credit, acquiring, and chargeback risks across a growing EMEA merchant portfolio, ensuring exposures remain within Adyen’s risk appetite. * Stakeholder Collaboration: Engage with internal stakeholders (Commercial, Legal, Product) to align on risk decisions, optimize merchant onboarding, and support product developments. * Process Optimization: Drive the design and execution of scalable, data-driven credit risk practices and automated workflows to enhance team efficiency. * Escalation Management: Serve as the senior regional escalation point for complex risk cases, high-exposure chargeback reviews, and sudden merchant performance shifts. * Performance & Culture: Set clear objectives, track team performance, and report key risk metrics to Senior Leadership while fully embodying the Adyen Formula. WHO YOU ARE * Experienced Leader: You bring a minimum of 2 years of direct people leadership experience, specifically leading risk or operations teams within the payments or banking sectors. * Domain Expert: You possess a strong background in merchant acquiring risk, chargeback management, and card scheme rules (Visa, Mastercard, etc.), with a proven track record of managing enterprise-level portfolios. * Strategic & Analytical: You love diving into data to spot trends, but you can also zoom out to build scalable credit risk processes that don’t bottleneck commercial growth. * Cross-Functional Collaborator: You are comfortable working alongside product, engineering, and legal teams to improve risk monitoring tools and workflows. * Strong Communicator: You are a clear, direct communicator capable of navigating high-stakes conversations with enterprise merchants, card networks, and internal senior executives. * Adaptable: You thrive in an international, rapidly changing, and low-ego environment. * Location: You are currently based in, or are willing to relocate to, Amsterdam. ADDITIONAL INFORMATION * Travel: Occasional international travel may be required to collaborate with global team members in our Chicago and Singapore offices. Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility. This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

Mollie

BUILD WITH US Since 2004, we've had one clear goal: to make payments and money management effortless for every business in Europe. Today, more than 250,000 companies use Mollie to get paid, manage money and grow – with products designed to be simple, scalable, and dependable. With 950+ Mollies across 14+ locations, we care deeply about autonomy and craft. So we work in small teams, with real ownership, and we trust you to make the right decisions. We're building for the long term, so we provide the tools you need, processes you can rely on, and a balanced work environment to help you do work you're proud of. Sound like your kind of place? Let's build together. YOUR IMPACT Credit risk at Mollie isn't a back-office function — it's a core part of how we grow responsibly. As Senior Teamlead Credit Risk, you'll lead a team of five analysts in making sharp, well-reasoned decisions about merchant onboarding and portfolio health. You'll be the person who ensures we're approving the right merchants, at the right time, with the right level of exposure - and that our existing portfolio stays aligned with our risk appetite as it evolves. But this role is about more than maintaining what's already working. Mollie is expanding and you'll be at the centre of that shift. You'll design and build the credit risk infrastructure - policies, models, processes - that makes it possible for us to confidently offer new financial products to our customers. That means building frameworks largely from scratch, in a fast-moving environment where your decisions have real and lasting impact. You'll report directly to the Monitoring Operations Lead, and serve as the key point of contact on team performance, portfolio status, and strategic risk development. If you're energised by the idea of shaping something new - and you're hands-on enough to get into the details when it matters - this is the role for you. WHAT YOU'LL SHIP * Full ownership of the existing merchant credit risk portfolio — hitting all team SLAs for underwriting and periodic reviews, and keeping portfolio quality sharp as merchant volumes grow. * A detailed, documented roadmap for the design and implementation of a new credit risk framework for Mollie's new products — built from the ground up. * A smart, scalable credit risk system that reduces friction in the customer lifecycle, enabling faster approvals for good merchants without compromising risk standards. * Clear performance and development plans for each member of the credit risk team, with a focus on coaching, growth, and building long-term capability. * Optimised assessment processes that leverage AI tooling to automate routine cases — freeing the team to focus human effort where it matters most. * Regular, structured reporting to leadership on portfolio performance, gaps, and where strategic attention is needed. WHAT YOU'LL BRING * 5+ years of people management experience, with a track record of leading, coaching, and developing high-performing teams. * Hands-on experience in both PSP and banking environments, you understand how credit risk works differently across these contexts and can bridge the two. * Proven expertise in credit model and policy development, including building credit risk frameworks and scorecards from scratch. * Strong stakeholder management skills, you're comfortable working across sales, operations, and leadership, and you know how to communicate risk clearly to different audiences. * A hands-on, operational mindset, you don't just set direction, you roll up your sleeves and get into the details when the situation calls for it. * A genuine motivation to work in a fast-paced fintech environment and contribute to building new products , this role is for someone who's energised by growth, not slowed down by it. GROW YOUR WAY At Mollie, growth is personal. We believe everyone should have the chance to develop their skills, explore new challenges and shape their career on their own terms. You'll get regular feedback and performance reviews to support your development, with fair and transparent salary reviews along the way. Many Mollies move into new roles or take on new projects to stretch themselves, and we actively hire from within to help you take the next step. No matter if you're aiming for promotion, exploring a different career path or building new skills, you'll be supported with the tools, trust and opportunities to grow your way. UNLOCK YOUR FULL POTENTIAL AND JOIN US TO ELIMINATE FINANCIAL BUREAUCRACY. If you're excited by the idea of building what's next, for yourself and for thousands of businesses across Europe, we'd love to hear from you. Apply with your CV (in English) using the form below. Want a peek behind the scenes? Check out what life at Mollie is really like. AI AT MOLLIE We believe in Always Be Shipping, and AI brings that philosophy to life across every team, every role, every day. AI is core to how we build. It helps us move faster, simplify work and make smarter decisions, creating real impact for the businesses we serve. We're looking for people who are excited to use AI to shape the future of finance with us.

Adyen

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. The role The Head of Credit Risk is a pivotal global leadership position within Adyen’s Operations function. While our Second Line defines the boundaries and Product builds the tools, Merchant Risk owns the execution. You are responsible for the day-to-day management of Adyen’s counterparty exposure originating from credit risk and chargeback risk. As the chair of the Merchant Risk Committee (MRC) and a member of the Risk Committee (RC), you are the operational voice that bridges the gap between commercial ambition and financial prudence. What you’ll do  * Global Leadership: Lead and scale a high-performing global team across Amsterdam, Singapore and Chicago. You will ensure consistency in decision-making while accounting for regional market differences. * Operational Risk Ownership: Oversee the daily monitoring and manual review of high-exposure merchants within the MPL (Merchant Potential Liability) and Credit Risk (Adyen Capital/Charge Cards) frameworks. * High-Stakes Decisioning: Act as the final operational escalation point for "edge case" approvals. You will ensure your teams are prepared and ready to present formal proposals for high-risk merchant decisions to the Merchant Risk Committee (MRC). * Strategic Influence: While Product owns the models and Second Line owns the appetite, you are the primary feedback loop. You will use operational data to influence and propose changes to Credit Models, Risk Policies, and Risk Appetite. * Collections Strategy: Direct the global Collections function, ensuring that when risks materialize, recovery efforts are swift, professional, and effective. * Stakeholder Navigation: Maintain a tight partnership with Product to ensure risk tools are fit-for-purpose and with Second Line Risk to ensure operational alignment with corporate governance. Who you are * 8+ years in an operational risk or credit leadership role within Fintech or high-volume payments. * Experience managing global, multi-region teams is preferred but not essential. * Deep understanding of the merchant lifecycle, bankruptcy risk, and the mechanics of lending/charge cards. * Excellent Communication: Ability to translate complex operational risks into clear, concise proposals for executive committees. * You don't just follow the policy—you identify when the policy is outdated and have the data-backed confidence to propose a better way forward. Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility. Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status. All your information will be kept confidential according to EEO guidelines.   Additional Information This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.