Sr Risk Manager, Lending, ABPL

The Opportunity: We're looking for a Sr. Risk Manager who'll own the adverse risk actions for the WW Pay-by-Invoice lending portfolio - a high impact role where you'll be a thought leader who builds and scales a best-in-class credit program from the ground up. You'll work backwards from customer needs while balancing business objectives, defining product features and operational processes that scale, and using metrics to continuously improve portfolio performance through economic cycles. This role sits at the intersection of product management, data analytics, and portfolio strategy - requiring someone who can think like a product manager, analyze like a data scientist, and operate with the strategic mindset needed to power a financial services business at Amazon scale.

What Makes This Role Different: This isn't traditional risk management - it's strategic growth leadership. You'll:
- Drive Growth: Own credit strategy across the entire customer lifecycle, directly impacting how fast 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

This is an individual contributor role reporting to the Head of Global Credit Strategy - giving you direct access to leadership while maintaining hands-on impact.

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:
- 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
Build the Future of B2B Financial Services at Amazon Scale: Do you want to shape how millions of small businesses access capital? Are you ready to drive billions in lending growth while building best-in-class risk management systems? Join us as we scale Amazon's most trusted B2B financial services platform globally. The B2B Payments team is revolutionizing how businesses transact on Amazon - providing invoicing, working capital, and payment solutions to Amazon Business customers, sellers, and small businesses worldwide. As part of Amazon's global Consumer Payments organization, we're building payment experiences and financial services that customers trust and value.

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 having 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

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