Senior Credit Risk Analyst, Credit Strategy & Operations - Pay by Invoice

Amazon•Seattle, WA

39d

About The Position

Do you like helping small businesses grow? Do you enjoy working across organizations and scaling programs? Come join us as at Amazon B2B Payments & Lending! The Amazon B2B Payments & Lending team provides invoicing, working capital and payment acceptance solutions to Amazon Business customers, sellers and other small business customers across Amazon. We are part of the global Consumer Payments organization, who aims to delight our customers by building payment experiences and financial services that are trusted, valued and easy to use from anywhere in any way. B2B Payments and Lending’s Credit Strategy and Operations team is looking for a smart, motivated, and analytical Credit Risk Analyst to join our underwriting and portfolio management team. The successful candidate will have a deep understanding of underwriting and related systems, as well as portfolio risk management experience. This role involves high judgment decision making, use/creation of risk analytics, the ability to analyze customer financials, complex underwriting, and management of SLAs. The successful candidate will have a strong desire in innovating processes, strong attention to detail and exceed expectations in a dynamic, fast-paced and often ambiguous environment. The role will support underwriting operations for international expansions. This role will report into the NA Credit Operations Manager based in Seattle, WA. The team is responsible for making decisions on Amazon Business (AB) customers’ eligibility for the Pay By Invoice (PBI) payment product at initial assessment, proactively and by request, while balancing spend opportunities and mitigating credit/write off risk. Our mission is to drive the Amazon flywheel by enabling credit on PBI for all eligible customers registering on AB with best-in-class risk management.

Requirements

4+ years of compliance program management, legal, governance, audit, risk/loss prevention, or equivalent experience
Bachelor's degree or equivalent
Experience demonstrating problem solving and root cause analysis
Speak, write, and read fluently in Spanish
Experience in commercial credit risk management
Working knowledge of SQL and Python, and experience in processing complex datasets from multiple sources
Clear examples of demonstrated judgment and strategic insight
Analytical and problem-solving skills, including the ability to recognize non-obvious patterns
Knowledge of Microsoft Office products and applications at an advanced level
Strong communication skills, both written and verbal
Experience managing complex projects with multiple stakeholders

Nice To Haves

3+ years of program requirements definition and data and metrics leveraging to drive improvements experience
Professional auditing qualification, or similar risk or compliance credentials
MBA, CFA or Master's Degree in relevant fields
Experience in managing credit risk program for an unsecured lending portfolio

Responsibilities

Underwrite medium-to-large credit applications.
Evaluate portfolio risks across WW portfolios, monitoring and creating risk metrics.
Improve processes to increase efficiency and improve risk mitigation across WW markets.
Contribute to and build underwriting/credit strategies across the portfolio and individual customer sub-segments.
Assist in defining policies and product features to support automated and manual credit decisioning and monitoring.
Establish, constantly improve, and be a thought leader for a credit adjudication and performance monitoring platform.
Develop processes, mechanisms and Standard Operating Procedures (SOPs) to grow efficiently and in a scalable way.
Review complex credit decisions that require manual reviews or exceptions.
Participate in program operations, partner with product managers and contribute to team-wide improvement goals.
Manage relationships with key stakeholders and partner with cross-organizational teams on high priority initiatives.