Team Lead Credit Risk - EMEA

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 Merchant 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.

Qliro AB

What we do at Qliro At Qliro we deliver safe and simple payments. We are a dedicated partner to our merchants who serve their customers every day. We believe that if our merchants grow, we grow. We are a company of dedicated, friendly and highly competent people that together have redefined what Qliro and payments can be. We are now on a journey of scaling our business both here in Sweden and the Nordics. What your team does We’re looking for a Senior Tech Lead to own the technical direction of our Credit & Fraud team, the team at the center of Qliro’s Pay Later platform. What we do here shapes whether customers can pay in a way that actually works for them, and whether we protect them from taking on debt they can’t handle. It’s a dual responsibility, and we take both sides seriously. We’re rebuilding the next generation of this system from the ground up, designed to handle a significant increase in transaction volumes as we scale. Part of what you’ll lead is making this platform ready to operate beyond the Nordics, so the architectural decisions you make now will need to hold up across multiple markets. We’re in the early stages of exploring how AI can help us make better credit and fraud decisions, and we’re honest that this is genuinely complex territory. Credit is one of the most regulated areas when it comes to AI: explainability, fairness, and auditability aren’t optional. We want someone who finds that complexity interesting, not someone who pretends it isn’t there. What you will do You’ll own the technical direction of the team and write production-grade .NET yourself, not occasionally, but regularly. You’ll make architectural decisions you can defend, drive performance and scale from the start, and treat observability and decision traceability as first-class concerns, not afterthoughts. Credit and fraud touch nearly everything at Qliro, which means you’ll work across a wide range of stakeholders: product, risk, compliance, other engineering teams. You’ll be the person who can hold a technical position in a room full of people with competing priorities, make a call under ambiguity, and bring clarity when there’s none. You’ll understand the regulatory and compliance landscape well enough to know what constraints you’re building within. You’ll set others up to succeed. Not in a formal, structured way, but in the way that actually matters: sharing hard-won knowledge, asking the right questions, and making the engineers around you better at their craft. What you'll bring to the team You’ve led technical work on systems where getting it wrong had real consequences, ideally in credit, fraud, risk, or payments, or in a high-transaction financial environment where you’ve developed that instinct. You’re comfortable operating in a heavily regulated environment and understand that compliance constraints aren’t obstacles to good engineering, they’re part of it. You understand that in this domain, correctness matters as much as speed, and you build accordingly. You’ve driven platform transformations before, not just worked on greenfield projects. You know what it means to move away from one system while keeping it running, and you bring the mindset to finish that job rather than work around it. You have opinions about what good looks like, production-grade code, observable systems, sensible tradeoffs and you’re not precious about being challenged on them. You’re comfortable being the one who decides when there’s no perfect answer, and you’re open to being wrong. You don’t wait for a perfect spec to start thinking. How we work Engineering ownership here is real. Engineers make calls that matter and are trusted to defend them. How your team works day to day — how often you’re in the office, how you structure your time — is something teams decide for themselves. We’re based in Stockholm, but we’ve found that trusting teams to figure out their own rhythm works better than a company-wide policy. Does this sound like your next role? What are you waiting for - apply now!  Qliro is an equal opportunity employer. All qualified applicants will be considered for employment without regard to gender, gender identity or expression, national origin, religion or other beliefs, disability, sexual orientation or age.

Qliro

WHAT WE DO AT QLIRO At Qliro we deliver safe and simple payments. We are a dedicated partner to our merchants who serve their customers every day. We believe that if our merchants grow, we grow. We are a company of dedicated, friendly and highly competent people that together have redefined what Qliro and payments can be. We are now on a journey of scaling our business both here in Sweden and the Nordics. WHAT YOUR TEAM DOES We’re looking for a Senior Tech Lead to own the technical direction of our Credit & Fraud team, the team at the center of Qliro’s Pay Later platform. What we do here shapes whether customers can pay in a way that actually works for them, and whether we protect them from taking on debt they can’t handle. It’s a dual responsibility, and we take both sides seriously. We’re rebuilding the next generation of this system from the ground up, designed to handle a significant increase in transaction volumes as we scale. Part of what you’ll lead is making this platform ready to operate beyond the Nordics, so the architectural decisions you make now will need to hold up across multiple markets. We’re in the early stages of exploring how AI can help us make better credit and fraud decisions, and we’re honest that this is genuinely complex territory. Credit is one of the most regulated areas when it comes to AI: explainability, fairness, and auditability aren’t optional. We want someone who finds that complexity interesting, not someone who pretends it isn’t there. WHAT YOU WILL DO You’ll own the technical direction of the team and write production-grade .NET yourself, not occasionally, but regularly. You’ll make architectural decisions you can defend, drive performance and scale from the start, and treat observability and decision traceability as first-class concerns, not afterthoughts. Credit and fraud touch nearly everything at Qliro, which means you’ll work across a wide range of stakeholders: product, risk, compliance, other engineering teams. You’ll be the person who can hold a technical position in a room full of people with competing priorities, make a call under ambiguity, and bring clarity when there’s none. You’ll understand the regulatory and compliance landscape well enough to know what constraints you’re building within. You’ll set others up to succeed. Not in a formal, structured way, but in the way that actually matters: sharing hard-won knowledge, asking the right questions, and making the engineers around you better at their craft. WHAT YOU'LL BRING TO THE TEAM * You’ve led technical work on systems where getting it wrong had real consequences, ideally in credit, fraud, risk, or payments, or in a high-transaction financial environment where you’ve developed that instinct. * You’re comfortable operating in a heavily regulated environment and understand that compliance constraints aren’t obstacles to good engineering, they’re part of it. * You understand that in this domain, correctness matters as much as speed, and you build accordingly. * You’ve driven platform transformations before, not just worked on greenfield projects. You know what it means to move away from one system while keeping it running, and you bring the mindset to finish that job rather than work around it. * You have opinions about what good looks like, production-grade code, observable systems, sensible tradeoffs and you’re not precious about being challenged on them. * You’re comfortable being the one who decides when there’s no perfect answer, and you’re open to being wrong. * You don’t wait for a perfect spec to start thinking. HOW WE WORK Engineering ownership here is real. Engineers make calls that matter and are trusted to defend them. How your team works day to day — how often you’re in the office, how you structure your time — is something teams decide for themselves. We’re based in Stockholm, but we’ve found that trusting teams to figure out their own rhythm works better than a company-wide policy. DOES THIS SOUND LIKE YOUR NEXT ROLE? WHAT ARE YOU WAITING FOR - APPLY NOW!  ---------------------------------------------------------------------------------------------------------------------------------- Qliro is an equal opportunity employer. All qualified applicants will be considered for employment without regard to gender, gender identity or expression, national origin, religion or other beliefs, disability, sexual orientation or age.