Credit Risk Specialist Latam

**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.
**Credit Risk Specialist**
We're looking for a Credit Risk Officer based in Sao Paulo. This person will help us scale and innovate Adyen's credit risk management process. You'll be working closely with Commercial, Technical and Compliance teams to evaluate and manage financial risk coming from a portfolio of enterprise merchants and new products, within the LATAM market.
**What you'll do**
- Work closely together with our very diverse merchant portfolio, to assess their business model and financial situation. Based on your assessment, make tailored credit risk recommendations in which you balance risk and return, to the Merchant Risk Committee;
- You will be our main Credit Risk Officer within LATAM, and have direct responsibility for our LATAM enterprise merchants that includes sub-acquirers, and our product portfolio;
- Drive important changes to our risk management framework (incl. our policies, tools and processes) to improve the quality of our risk management, and to help scale our business;
- Lead projects from beginning to end, and help us to find optimal solutions that benefit our merchants and improve our risk management practices;
- Provide credit risk expertise to product and legal teams to ensure credit risk is properly considered in new commercial product development (for example, for advancements);
- Clearly explain Adyen's view on credit risk to merchants, commercial teams, and the regulator.
**Who you are**
- 7+ years working in finance or credit risk environment, a big plus is credit risk experience within the LATAM payment industry;
- You speak fluently Portuguese and English;
- Excellent communicator, able to share ideas and collaborate with team members;
- Independent, able to prioritize own workload in a fast-paced, unstructured environment and drive processes to completion;
- You are passionate about connecting and cooperating with colleagues across cultures and time zones, developing new ideas cooperatively and working as a member of a team that operates globally.
- Strong financial statement and data analysis skills with the ability to justify credit conclusions and to balance risk and business opportunities;
- Keen interest in business and financial markets, next to affinity with technology;
- University degree in accounting, economics, finance or other quantitative field
**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.
**What's next?**
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.

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