Sr. Applied Scientist, Amazon B2B Payments and Lending, Credit and Fraud Science

Amazon • Seattle, WA

1d • $183,800 - $248,700

About The Position

Amazon B2B Payments and Lending (ABPL) is seeking a Senior Applied Scientist to apply science and engineering skills to business problems in Credit management, B2B Financial Service, and Payments. This role involves combining scientific and technical expertise with business intuition to build flexible, performant, and global solutions for complex financial and risk problems. The Senior Applied Scientist will develop and deploy production models to enhance product features and processes, aiming to delight customers.

Requirements

• Master's degree or equivalent in a quantitative field such as statistics, mathematics, data science, business analytics, economics, finance, engineering, or computer science
• 5+ years experience in a science role, applying AI/ML to solve complex problems for large-scale applications
• Demonstrated fluency with GenAI tools (e.g., LLMs, code assistants) to accelerate model development, feature engineering, and code generation workflows
• Superior analytical skills. Demonstrated ability to identify and solve ambiguous problems
• Demonstrated attention to detail and desire to roll up your sleeves
• Demonstrated ability to operate both strategically and tactically in a high-energy, fast-paced environment. High degree of organization and ability to manage multiple, competing priorities
• Excellent communication (verbal and written) and collaboration skills that enable you to earn trust at all levels
• Proficiency in Python, SQL, or other programming language
• Experience developing machine learning solutions with AWS

Nice To Haves

• Ph.D. in a quantitative field such as statistics, mathematics, data science, business analytics, economics, finance, engineering, or computer science
• 10+ years of practical work applying AI/ML to solve complex problems for large-scale applications experience
• Experience designing and deploying AI-native systems that leverage foundation models, agentic frameworks, and LLM-powered automation
• Experience with leading experienced scientists as well as having a record of developing junior members from academia or industry to a career track in a business environment
• 3+ years experience in credit underwriting or related work in financial services domain
• Project management experience for working on cross-functional projects
• Proven achievements of developing and managing a long-term research vision and portfolio of research initiatives, with algorithms and models that have been successfully integrated in production systems

Responsibilities

• Design and build systems that support financial products.
• Work closely with business partners, software and data engineers to build and deploy scalable solutions that deliver exceptional value for customers.
• Utilize intellectual and technical capabilities, problem solving and analytical skills, and excellent communication to deliver customer value.
• Partner with product and operations management to launch new, or improve existing, financial products within Amazon.
• Understand business and product strategies, goals and objectives. Make recommendations for new techniques/strategies including GenAI innovations, agentic AI frameworks, and foundation models, and to improve customer experience and business outcomes.
• Apply advanced data mining, machine learning, and Generative AI techniques to create AI/ML capabilities and support Credit and Fraud Management.
• Source, incorporate, and analyze alternative data to drive innovation, utilizing GenAI and foundation models.
• Own production models (real time and batch), conduct code review and model monitoring to insist high bar of operating excellence and ensure high performant models.
• Conduct research and educate business, product, marketing and product teams on the implementation of models and GenAI innovations, enabling strategic decision making through AI-powered insights and automation.

Benefits

• Medical, Dental, and Vision Coverage
• Maternity and Parental Leave Options
• Paid Time Off (PTO)
• 401(k) Plan
• Sign-on payments
• Restricted Stock Units (RSUs)
• 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
• Parental leave

What This Job Offers

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