Machine Learning Engineering Manager, Credit & Underwriting

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.

About the Role

The Financial Products org at Adyen is at the forefront of our evolution, building the foundational infrastructure that enables our customers to manage their finances, issue cards, and access credits and financing globally. Adyen is building a Machine Learning Engineering team in San Francisco focused on Credit Risk Modeling for Underwriting within Financial Products. This team will develop the models, scorecards, and production systems that enable Adyen to scale its credit products 100x.

We’re looking for an enthusiastic, self-driven Engineering Manager to lead the Credit Risk Modeling team. You will lead the team that design, productionize, and operate machine learning models and rule-based decision systems that power credit products. Your team will work across the full model lifecycle, from research and data analysis to training, deployment, monitoring, and continuous improvement.
As an Engineering Manager, you will build, mentor, and coach a diverse and talented team of machine learning scientists and data engineers. You should be comfortable streamlining the team's engineering operations, refining product requirements together with product and merchants and encouraging effective collaboration. As a critical role in the continued success of our organization, you will help to iterate our culture and build an amazing team environment that will create future leaders for Adyen.

In this role, you will:

• Lead the Credit Risk Modeling team with hands-on technical leadership, driving architecture strategy and raising the bar through active mentoring and technical guidance.
• Work cross-functionally with Design, Product, Data Engineers, Product engineers, Credit Ops and other key stakeholders.
• Have a multiplier effect by motivating team members and providing coaching in areas including but not limited to: engineering best practices, scalable architecture design, product roadmap discussions.
• Maintain an inclusive team culture focused on autonomy, ownership, collaboration, communication, and impact.
• Collaborate with different teams to design and implement new pipelines/services with reliability/infra/data/dev in mind.
• Set clear individual and team goals that align with our strategic engineering ambitions in close collaboration with the product manager.
• Create an inspiring and collaborative team environment with an open communication/feedback culture.
• Maintain an inclusive team culture focused on autonomy, ownership, collaboration, communication, and impact.
• Recruit new team members who align with the Adyen culture and required skills.

Who You Are:

• You have proven experience working with, and deep understanding of machine learning products.
• You are an energetic self-starter experienced in creating alignment between multiple teams.
• You are able to define, implement and monitor performance to quickly identify opportunities for improvement in existing systems.
• You have experience in coaching and mentoring engineering talent.
• You have experience in leading technical projects in a fast paced and critical environment.
• You have experience collaborating with senior leadership to set strategic direction including product roadmaps.
• You are an excellent communicator and team player who can inspire others around them.
• You can clearly communicate technical concepts to non-engineers.

Minimum Qualifications:

• 2+ years experience in managing machine learning engineering teams within a mission-critical environment.
• 7+ years of experience in a ML/AI tech environment.
• Experience with Credit Underwriting.

Diversity, Equity, and Inclusion at Adyen

We actively seek different perspectives to sharpen our ideas. Our unique culture is a product of our diverse backgrounds and experiences. No matter who you are or where you’re from, you’re welcome to be your true self at Adyen.

If you need accommodations or support during the recruitment process to perform at your best, you’ll have the opportunity to let our team know in your application. We encourage people from all backgrounds and abilities to apply.

Why Adyen?

This is an exceptional opportunity to join a solid, established company with a startup mindset, characterized by small teams, direct communication, and work on important challenges. You’ll have direct access to massive global datasets (e.g., payments, identity data) and the ability to see your team's work have an immediate impact at scale. We offer an environment of ownership and speed, where a focused research team can make a significant difference. You will be at the forefront of bridging ML and fintech, shaping how these two critical areas intersect. We are looking for individuals who are eager to stay connected to the edge of ML innovation while ensuring we deliver practical value to our global platform.

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?

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.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

This role is based out of our San Francisco office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

The way we work is guided by the eight principles of the Adyen Formula. Learn more here.

Our engineers are building the first financial technology platform that combines payments, data, and financial services. We’re looking for more talented problem solvers to help us address a unique set of challenges.

While this is a San Francisco-based role, we recognize that global mobility matters—especially for candidates navigating complex situations. Adyen has deep roots in Europe and a strong global presence, and we’re open to future relocation conversations to our offices in Amsterdam or Madrid if that better supports your personal or professional goals in the future. Our aim is to build a lasting foundation for you at Adyen—starting in San Francisco, but with the flexibility to adapt as life evolves. The annual base salary range for this role is $212,000 - $293,000 plus RSUs; to learn more about our compensation philosophy, please click here. This position is based out of the San Francisco office.