Risk Manager, Lending, Amazon Business Payments & Lending

Amazon • New York, NY

6d • $107,700 - $145,400 • Onsite

About The Position

This is a high-impact role where you'll contribute to managing a best-in-class credit program from the ground up — working backwards from customer needs, analyzing portfolio performance data, and partnering with cross-functional teams to deliver results. This role sits at the intersection of product management, data analytics, and portfolio strategy — ideal for someone who thinks like a product manager, analyzes like a data scientist, and wants to develop deep expertise in financial services at Amazon scale. This isn't traditional risk management — it's growth-oriented analytical work with real business impact. You'll support credit strategy for international marketplaces across the customer lifecycle, directly contributing to how fast we scale our lending business. You will partner with Science teams to define model inputs, analyze feature performance, and help build next-generation automated credit decisioning. You will work closely with Product, Tech, Science, and Business teams to drive execution and deliver results. You will identify improvement opportunities, support experiments, and contribute to payment experiences that delight customers. You will monitor and report on portfolio performance, surface insights, and recommend actions to senior leadership.

Requirements

• Bachelor's degree or above
• Experience managing competing priorities and using metrics to drive business decisions
• Experience with data analysis tools such as Advanced Excel, SQL, Tableau, Python
• 5+ years of experience in product management, program management, business operations, or data analytics roles
• Strong written and verbal communication skills with the ability to present analytical findings clearly to both technical and non-technical audiences
• High attention to detail with a bias for action and willingness to dive deep to solve problems at root cause

Nice To Haves

• Master's degree
• Experience in risk management, audit, legal, compliance or a related field including engaging with external stakeholders
• Experience in A/B testing
• Experience with AI/ML technologies
• Experience working with large global teams
• Familiarity with credit concepts, portfolio management, or financial risk principles

Responsibilities

• Monitor portfolio health metrics, track performance against targets, and escalate emerging issues proactively
• Conduct deep-dive analyses to identify trends, root causes, and opportunities for portfolio optimization
• Support strategic initiatives from concept to launch by analyzing data, building business cases, and tracking outcomes
• Partner with Product teams to evaluate feature performance, inform policy decisions, and improve customer experiences
• Build working relationships with Product, Engineering, Science, and Account Receivables teams to execute on shared goals
• Coordinate across teams to drive execution on initiatives, manage dependencies, and communicate progress
• Support loss mitigation and recovery processes in partnership with collections teams through data analysis and process improvement
• Contribute to alignment across stakeholders by preparing materials, surfacing insights, and recommending solutions
• Leverage SQL and analytical tools to identify opportunities for portfolio optimization and customer experience improvements
• Design and execute analyses that test hypotheses and inform product and operational decisions
• Build and maintain reporting mechanisms to monitor portfolio performance and enable rapid response to changing conditions
• Support underwriting operations on complex decisions by providing data-driven analysis and recommendations
• Actively use the Portfolio Manager AI Agent to conduct analysis, generate insights, and draft communications
• Contribute to the knowledge base and analytical tools that power AI-enabled workflows
• Identify opportunities to automate repetitive tasks and improve efficiency through AI augmentation
• Partner with Science and Engineering teams to test agent capabilities and provide feedback for improvement
• Champion AI-enabled tools within daily workflows, sharing best practices with the team
• Execute and improve SOPs and operational processes that enable efficient scaling
• Identify opportunities for continuous improvement and operational efficiency gains
• Support automation initiatives that improve customer experience while reducing operational burden

Benefits

• 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
• parental leave
• sign-on payments
• restricted stock units (RSUs)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level