Sr Risk Manager, Amazon Business Payments & Lending
Amazon, New York, NY, United States
The Opportunity
We’re looking for a Sr. Risk Manager who will own the end‑to‑end credit strategy for new marketplace launches in the WW Pay‑by‑Invoice lending portfolio. This high‑impact role requires a thought leader who builds and scales a best‑in‑class credit program from the ground up, working backwards from customer needs while balancing business objectives. The role lies at the intersection of product management, data analytics, and portfolio strategy, requiring a blend of product‑management thinking, data‑scientist analysis, and strategic vision to power a financial services business at Amazon scale.
What Makes This Role Different
Drive Growth: Own the credit strategy for new international marketplaces across the entire customer lifecycle, directly impacting how quickly we can scale our lending business.
Innovate with AI/ML: Partner with Science teams to design new product features, define model rule sets, and build next‑generation automated credit decisioning.
Lead Through Influence: Build relationships with senior stakeholders across Product, Tech, Science, and Business teams to drive transformational change.
Think Big: Identify innovation opportunities, design experiments, and deliver payment experiences that delight customers.
Own the Metrics: Define, monitor, and communicate performance to senior leadership while owning business goals and outcomes.
Key Job Responsibilities Strategic Planning & Execution
Define and own portfolio health metrics, performance targets, and escalation thresholds across the customer lifecycle.
Identify emerging trends and business risks proactively; develop and execute mitigation strategies to protect Amazon’s balance sheet.
Drive strategic initiatives from concept to launch, working backwards from customer needs while balancing growth and sustainability objectives.
Partner with Product teams to define features, policies, and customer experiences that enable scalable, automated decision‑making.
Cross‑Functional Leadership
Build and maintain strong partnerships with onsite operations, Product, Engineering, Science, and Account Receivables teams.
Influence stakeholders across the organization to drive alignment and action without direct reporting authority.
Own end‑to‑end program execution, managing dependencies and driving results across multiple teams and time zones.
Establish and manage loss mitigation and recovery processes in partnership with collections teams.
Data‑Driven Innovation
Leverage data analysis to identify opportunities for portfolio optimization and customer experience improvements.
Design and drive experiments that test hypotheses and inform product and operational decisions.
Build mechanisms to monitor portfolio performance, surface insights, and enable rapid response to changing conditions.
Partner with underwriting operations on complex decisions requiring manual review or exceptions, using data to inform judgment calls.
AI‑Enabled Portfolio Management
Provide requirements to shape the agent’s capabilities based on portfolio management workflows.
Develop the behind‑the‑scenes knowledge base and deterministic analysis tools that the AI agent will leverage.
Actively use the AI Agent to conduct portfolio analysis, generate insights, and draft communications at scale.
Identify opportunities to automate repetitive analytical tasks and scale decision‑making through AI augmentation.
Collaborate with Science and Engineering teams to improve agent performance and expand use cases.
Serve as a power user and advocate for AI‑enabled tools within the portfolio management function.
Operational Excellence
Define SOPs and operational processes that enable efficient scaling while maintaining high quality standards.
Establish mechanisms for continuous improvement and operational efficiency.
Drive automation initiatives that improve customer experience while reducing operational burden.
About The Team Join Amazon B2B Payments & Lending! We provide invoicing, working capital, and payment acceptance solutions to Amazon Business customers, sellers, and other small business customers. The team is part of the global Consumer Payments organization, focused on building trusted, valued, and easy‑to‑use payment experiences and financial services from anywhere in any way.
Basic Qualifications
Bachelor’s degree or above.
Experience managing competing priorities and using metrics to drive business decisions.
Experience building cross‑functional partnerships and influencing stakeholders across the organization to act without a direct reporting relationship.
Experience in written and verbal communication with the ability to present complex technical information in a clear and concise manner to executives and non‑technical leaders.
8+ years of experience in product management, program management, business operations, or data analytics roles.
Strong analytical skills with proficiency in SQL and data analysis tools (Excel, Python, R, or similar).
High attention to detail with a bias for action and willingness to dive deep to solve problems at root cause.
Preferred Qualifications
Master’s degree.
Experience in risk management and internal audit—including performing risk assessments and audits, designing controls, managing enterprise control frameworks, and prioritizing risk.
Familiarity with credit concepts, portfolio management, or financial risk principles.
Experience building and scaling 0‑to‑1 products or programs.
Demonstrated success driving innovation and experimentation in ambiguous environments.
Experience working with AI/ML tools, large language models, or generative AI applications.
Background in building automated decision systems or working with machine learning models.
Experience working with global teams across multiple time zones.
Curiosity about AI and enthusiasm for exploring how generative AI can transform knowledge work.
Amazon is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status.
Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit https://amazon.jobs/content/en/how-we-hire/accommodations for more information. If the country/region you’re applying in isn’t listed, please contact your Recruiting Partner.
The base salary range for this position is listed below. Your Amazon package will include sign‑on payments and restricted stock units (RSUs). Final compensation will be determined based on factors including experience, qualifications, and location. Amazon also offers comprehensive benefits including health insurance (medical, dental, vision, prescription, Basic Life & AD&D insurance and option for Supplemental life plans, EAP, Mental Health Support, Medical Advice Line, Flexible Spending Accounts, Adoption and Surrogacy Reimbursement coverage), 401(k) matching, paid time off, and parental leave. Learn more about our benefits at https://amazon.jobs/en/benefits.
USA, NY, New York – 133,300.00 – 185,000.00 USD annually
Company Amazon.com Services LLC
Job ID: A10386076
#J-18808-Ljbffr
What Makes This Role Different
Drive Growth: Own the credit strategy for new international marketplaces across the entire customer lifecycle, directly impacting how quickly we can scale our lending business.
Innovate with AI/ML: Partner with Science teams to design new product features, define model rule sets, and build next‑generation automated credit decisioning.
Lead Through Influence: Build relationships with senior stakeholders across Product, Tech, Science, and Business teams to drive transformational change.
Think Big: Identify innovation opportunities, design experiments, and deliver payment experiences that delight customers.
Own the Metrics: Define, monitor, and communicate performance to senior leadership while owning business goals and outcomes.
Key Job Responsibilities Strategic Planning & Execution
Define and own portfolio health metrics, performance targets, and escalation thresholds across the customer lifecycle.
Identify emerging trends and business risks proactively; develop and execute mitigation strategies to protect Amazon’s balance sheet.
Drive strategic initiatives from concept to launch, working backwards from customer needs while balancing growth and sustainability objectives.
Partner with Product teams to define features, policies, and customer experiences that enable scalable, automated decision‑making.
Cross‑Functional Leadership
Build and maintain strong partnerships with onsite operations, Product, Engineering, Science, and Account Receivables teams.
Influence stakeholders across the organization to drive alignment and action without direct reporting authority.
Own end‑to‑end program execution, managing dependencies and driving results across multiple teams and time zones.
Establish and manage loss mitigation and recovery processes in partnership with collections teams.
Data‑Driven Innovation
Leverage data analysis to identify opportunities for portfolio optimization and customer experience improvements.
Design and drive experiments that test hypotheses and inform product and operational decisions.
Build mechanisms to monitor portfolio performance, surface insights, and enable rapid response to changing conditions.
Partner with underwriting operations on complex decisions requiring manual review or exceptions, using data to inform judgment calls.
AI‑Enabled Portfolio Management
Provide requirements to shape the agent’s capabilities based on portfolio management workflows.
Develop the behind‑the‑scenes knowledge base and deterministic analysis tools that the AI agent will leverage.
Actively use the AI Agent to conduct portfolio analysis, generate insights, and draft communications at scale.
Identify opportunities to automate repetitive analytical tasks and scale decision‑making through AI augmentation.
Collaborate with Science and Engineering teams to improve agent performance and expand use cases.
Serve as a power user and advocate for AI‑enabled tools within the portfolio management function.
Operational Excellence
Define SOPs and operational processes that enable efficient scaling while maintaining high quality standards.
Establish mechanisms for continuous improvement and operational efficiency.
Drive automation initiatives that improve customer experience while reducing operational burden.
About The Team Join Amazon B2B Payments & Lending! We provide invoicing, working capital, and payment acceptance solutions to Amazon Business customers, sellers, and other small business customers. The team is part of the global Consumer Payments organization, focused on building trusted, valued, and easy‑to‑use payment experiences and financial services from anywhere in any way.
Basic Qualifications
Bachelor’s degree or above.
Experience managing competing priorities and using metrics to drive business decisions.
Experience building cross‑functional partnerships and influencing stakeholders across the organization to act without a direct reporting relationship.
Experience in written and verbal communication with the ability to present complex technical information in a clear and concise manner to executives and non‑technical leaders.
8+ years of experience in product management, program management, business operations, or data analytics roles.
Strong analytical skills with proficiency in SQL and data analysis tools (Excel, Python, R, or similar).
High attention to detail with a bias for action and willingness to dive deep to solve problems at root cause.
Preferred Qualifications
Master’s degree.
Experience in risk management and internal audit—including performing risk assessments and audits, designing controls, managing enterprise control frameworks, and prioritizing risk.
Familiarity with credit concepts, portfolio management, or financial risk principles.
Experience building and scaling 0‑to‑1 products or programs.
Demonstrated success driving innovation and experimentation in ambiguous environments.
Experience working with AI/ML tools, large language models, or generative AI applications.
Background in building automated decision systems or working with machine learning models.
Experience working with global teams across multiple time zones.
Curiosity about AI and enthusiasm for exploring how generative AI can transform knowledge work.
Amazon is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status.
Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit https://amazon.jobs/content/en/how-we-hire/accommodations for more information. If the country/region you’re applying in isn’t listed, please contact your Recruiting Partner.
The base salary range for this position is listed below. Your Amazon package will include sign‑on payments and restricted stock units (RSUs). Final compensation will be determined based on factors including experience, qualifications, and location. Amazon also offers comprehensive benefits including health insurance (medical, dental, vision, prescription, Basic Life & AD&D insurance and option for Supplemental life plans, EAP, Mental Health Support, Medical Advice Line, Flexible Spending Accounts, Adoption and Surrogacy Reimbursement coverage), 401(k) matching, paid time off, and parental leave. Learn more about our benefits at https://amazon.jobs/en/benefits.
USA, NY, New York – 133,300.00 – 185,000.00 USD annually
Company Amazon.com Services LLC
Job ID: A10386076
#J-18808-Ljbffr