Head of Collections and Recovery Strategy (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.

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London / Cardiff /UK Remote | 💰£121,000 - 140,000 (depending on experience) + incentive awards tied to your performance + Benefits | Hear from the team ✨ ⭐ Our Financial Risk team We're looking for a Head of Prudential Risk which is a key role for Finance and the broader Monzo business. The role is responsible for leading the planning and production of our key prudential deliverables and ensuring Financial Risk continues to be managed within risk appetite across the group. As such this is a senior finance role that will have impact across multiple collectives and disciplines You will require a breadth of knowledge and experience across prudential regulation. Expertise covering ICAAP and recovery and resolution planning is essential.  In addition to knowledge of financial risk, you will be expected to have a solid understanding of non-financial risk and have the practical skills to ensure critical processes linked to embedding recovery, resolution and general financial stability are maintained and enhanced.  You will have the ability to independently interpret a range of regulations, determine the impact of those on the bank, and to manage projects to implement them.  You will have the ability to lead a high performing team and work effectively across all levels of the organisation.  You will play a key role in delivering important and challenging messages across the Finance collective and to senior leaders and stakeholders across the business. 🔑 You’ll play a key role by... * ICAAP: Owning the annual group ICAAP process ensuring this is delivered on time and aligned to internal and external requirements.  Ensure individual entity risks and requirements are subject to appropriate assessment and provide support to wider parts of the Monzo group aligned to agreed intra group services. * Recovery Planning: Owning the annual review of our recovery plan and ensure this continues to align to regulatory requirements and is reflective of the evolving nature of the group.  Ensure our recovery options are owned by business areas and fire drills are undertaken to test our response capabilities. * Resolution Assessment Framework: Ensuring requirements linked to the Group’s evolving resolution strategy are implemented and we comply with Resolution Assessment Framework (RAF) requirements (including OCIR, VIR and COA).   * Supporting capital planning activities, risk appetite setting and lead ALCO reporting and KRI maintenance for Financial Risk. * Ensuring the impact of future prudential regulatory change is understood and working with relevant teams to assess and adapt to the challenges. * Supporting the broader financial risk team with the delivery of wider objectives * Leading a team of high performing colleagues, supporting their individual development needs and ensuring roles and responsibilities are clear. 🤩We’d love to hear from you if you… * Have proven prudential regulatory experience at either a bank, a consultancy or a regulatory body and want to apply it to a fast growing new bank.  * Have a relevant professional qualification * Have detailed knowledge/experience of the relevant regulatory requirements, and the ability to interpret what that means for the relatively unique circumstances of our bank.   * Are comfortable with understanding financial projections and analysis techniques linked to the quantification of risk * Have the ability to coordinate, participate and lead projects to produce regulatory deliverables and maintain the Bank’s set of prudential documentation and supporting materials. * Are interested in identifying relevant data, performing analysis and understanding the impact on our bank. * Are able to work independently, proactively and enjoy a dynamic and changing environment. * Are keen to learn about and work on areas of the regulatory regime that you may not have previously explored, particularly in the context of a new bank.    * Have experience building strong relationships with stakeholders at all levels within the business. * Have strong written and verbal communication skills 🙌 What’s in it for you 💰 £121,000 - 140,000 (depending on experience) ➕ incentive awards tied to your performance. 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.  📚 £1,000 learning budget each year to use on books, training courses and conferences. 🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.  ➕ Plus lots more! Read our full list of benefits. 🌈 The application journey has 4 key steps * Phone call with the Recruiter (30 mins) * Initial Video interview with Hiring Manager (30 mins) * Role specific interview with Financial Risk team (60 mins) * Behavioural interview with wider Finance members (45 mins) This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!  We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. #LI-REMOTE #LI-NZ1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

hyperexponential

Hi, I’m Romain - SVP Global Sales at hx. I joined hx three months ago because I saw a rare mix of things: a deeply talented team, a product that is genuinely changing how insurers make decisions, and the ambition to build something category-defining in one of the world’s most important industries. The commercial opportunity in front of us is huge, but it is also complex. We sell into a market where credibility matters, where our customers are actuaries, underwriters and senior insurance leaders, and where AI needs to create real business value, not just a better story. That is why we are hiring our first Head of Revenue Enablement. This person will help us build the operating rhythm, onboarding, materials and enablement programmes that make our global Revenue team sharper, more consistent and more credible in the field. This is not a role where you inherit a finished playbook. It is a role for someone who wants to build the first version properly, work closely with Revenue leadership, and help shape how hx sells as we continue to scale. ABOUT HYPEREXPONENTIAL (HX) At hyperexponential, we're building the AI-powered platform that enables the world's most critical decisions in a $7 trillion industry - which risks to take, and how to price them. These are the decisions that shape real-world outcomes: whether rockets successfully launch into space, autonomous vehicles make it to market, or communities recover after major storms. Until now, insurance has been making billion-dollar decisions using outdated tools. We're changing that. Our platform brings together data, AI, and human expertise to give insurers the fastest path from submission to decision - helping them move faster, act smarter, and take on more risk with confidence. Backed by a16z, Highland Europe, and Battery Ventures, we're scaling globally - already trusted by nearly 50 of the world's largest insurers, with zero churn and billions in premiums flowing through hx. What began as a single product in one market has rapidly evolved into a multi-product, multi-territory platform powering every stage of pricing and underwriting. AI is at the core of what we do - from building the world's first domain-specific AI peer programmer for insurance (think GitHub Copilot with a PhD in actuarial science) to shaping agentic workflows that reinvent how this industry operates. What makes hx different is the people who build it. Here, impact isn't tied to title or tenure; it's defined by the challenges you take on and the discipline you bring. Surrounded by peers who stretch you, you'll do the best, hardest work of your life in a company engineered to endure. If that sounds like you, join us in building what comes next. ABOUT THE TEAM hx's commercial engine is scaling rapidly, and Revenue Enablement sits at the heart of making that scale sustainable. Today, enablement happens across pockets of the organisation - Revenue leadership, RevOps, Sales Ops, Product Marketing, and Marketing - but there's no single owner, no operating cadence, and no clear system for turning commercial strategy into repeatable field execution. This is where you come in. You'll be building hx's first dedicated Revenue Enablement function from scratch, working in close partnership with Romain and the wider commercial leadership team. Your mission is to close the gap between intent and execution: improving how our sellers are trained, equipped, motivated, and held to a consistent operating rhythm that drives revenue. In this role, you'll treat enablement as a system, not a content library. You'll bring structure and pace to a high-performing sales organisation, staying close to the customer, the field, and the behaviours that actually move deals forward. This is a builder role for someone who thrives in ambiguity and sees the opportunity to shape how a world-class commercial team operates. Check out our Sales and Partnerships Candidate Hub for a behind the scenes look at the team you would be joining! WHAT YOU'LL BE DOING * Build hx's first Revenue enablement operating model, defining clear scope, ownership, intake processes, prioritisation frameworks, and success metrics that make enablement predictable and aligned to commercial priorities. * Create and execute the 2026 Revenue enablement roadmap, translating commercial OKRs into a focused programme of training, content, and rhythms that improve seller effectiveness and execution discipline. * Drive measurable improvements in seller behaviour, designing enablement programmes that strengthen qualification, discovery, deal progression, sales process adherence, Salesforce hygiene, and forecasting accuracy. * Strengthen customer-centric selling by equipping the sales team with better customer insight, references, case studies, proof points, and value messaging that make sellers more credible and commercially sharp in every conversation. * Partner closely with Marketing, Product Marketing, and ABM to ensure sellers can confidently use targeted messaging, launch materials, competitive positioning, and customer stories in the field. * Design scalable onboarding and continuous learning programmes with clear curriculum, measurable ramp indicators, manager reinforcement, and defined productivity milestones for commercial hires. WHAT YOU'LL NEED TO HAVE DONE * Built or significantly scaled Revenue enablement in a B2B SaaS, enterprise software, or complex commercial environment, demonstrating that enablement is about changing seller behaviour, not just producing training content. * Designed and implemented enablement operating models that include intake, governance, stakeholder alignment, measurement, and repeatable cadences across Revenue, Marketing, Product Marketing, and Operations teams. * Delivered programmes that measurably improved seller effectiveness, such as better discovery execution, increased win rates, faster ramp times, improved Salesforce adoption, or stronger commercial discipline in live deals. * Partnered cross-functionally with senior commercial leaders, earning trust through pragmatic judgement, clear prioritisation, and demonstrable revenue impact rather than relying on formal authority. * Created structured onboarding and ongoing learning programmes that shortened time-to-productivity for new hires, with clear curriculum, reinforcement mechanisms, and measurable outcomes. * Used customer insight, market context, references, and proof points to improve how sellers engage with prospects, demonstrating commercial credibility and customer-centricity in enablement design. YOU'RE UNLIKELY TO THRIVE HERE IF * Your experience is mainly in content production, LMS administration, or training delivery without building the operating system and structure around enablement. * You need an existing playbook to follow, or see enablement as separate from sales execution, commercial strategy, customer insight, and cross-functional operating cadence. * You're a strategist who struggles with hands-on delivery, or someone who prefers working in isolation rather than collaborating closely with Revenue leadership, Marketing, RevOps, and frontline sellers. If reading our Culture Document leaves you feeling neutral rather than energised, hx may not be the place where you'll do your best work. We're building something that asks for commitment and conviction, and we want you to feel excited by the opportunity to grow with us. COMPENSATION At hx, we're committed to salary transparency. You'll always have clarity on pay early in the process - our Talent Partner will share details with you during initial conversations - and we're working towards publishing salary information for all roles globally. Because we're building at the intersection of technology/SaaS and insurance, our roles don't always map neatly onto traditional benchmarks. Our approach is to design compensation that's competitive in the market, fair across teams, and aligned with the impact our people make. Equity: We offer equity across all roles at hx, making it a significant component of total compensation. Your Talent Partner will be able to share more details about this. BENEFITS £5,000 training and conference budget for individual and group development. 25 days of holiday plus 8 bank holidays (33 days total). Company pension scheme via Penfold. Mental health support and therapy via Spectrum.life. Individual wellbeing allowance via Juno. Private healthcare insurance through AXA. Income protection and Life Insurance. Cycle to Work Scheme. ADDITIONAL PERKS Top-spec equipment (laptop, screens, adjustable desks, etc.). Regular remote and in-person hackathons, lunch and learns, socials, and game nights. Team breakfasts and lunches, snacks, drinks fridge, and a fun office at The Ministry Exceptional opportunities for personal development and growth as we build something remarkable together. INTERVIEW PROCESS 1. Initial call with our Talent team to kick things off. 2. Manager interview with our SVP of Sales. 3. Skills assessment: 60-minute working session where you'll present your diagnosis of the enablement opportunity at hx, a proposed 6-month enablement plan, your operating model for intake and prioritisation, and one example enablement programme designed to improve seller behaviour in practice. 4. Values interview (ideally in person). 5. We offer! OUR COMMITMENT TO DIVERSITY hxer's are at the centre of everything we build. We know that progress depends on diverse perspectives, and we are committed to creating an environment where everyone can thrive, grow, and make an impact. We recognise there is always more to do, and we take responsibility for shaping a workplace that is not only diverse but genuinely inclusive. Diversity is not just the right thing to do, it is key to solving the complex challenges we choose to take on. By welcoming people from all backgrounds and experiences, we strengthen our ability to question assumptions, push boundaries, and design solutions that endure. If you're energised by complexity and motivated to grow, we encourage you to apply and join our global team. NEXT STEPS If this opportunity resonates with you, we encourage you to apply or share it with your connections! Our dedicated talent team reviews all applications, and we promise to provide feedback regardless of the outcome. For more information about applying and to view other opportunities, you can visit our careers page. Please note that background checks will be conducted as part of the hiring process to ensure compliance with our governance policies. We handle all background checks sensitively and in full compliance with relevant regulations. All applicant data will be processed in accordance with data protection regulations and our privacy policy.