Senior Credit Risk Analyst, Underwriting, Amazon Business Payments, Business Credit Account

Do you like helping small businesses grow? Do you enjoy working across organizations and scaling programs? Come join us at Amazon B2B Payments & Lending! The Amazon B2B Payments & Lending team (to edit) 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 Business 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 Underwriting 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 strong analytical skills and willingness to learn quickly. 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.

This role will report into the Credit Operations Manager based in London, UK.

Key job 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;
• 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
• Partner with product managers, data science, portfolio managers and contribute to team-wide improvement goals
• Manage relationships with key stakeholders and partner with cross-organizational teams on high priority initiatives.

About the team
The team is responsible for making decisions on Amazon Business (AB) customers’ eligibility for the Business Credit Account (BCA) payment product at initial assessment, proactively and by request, while balancing spend opportunities and mitigating credit/write off risk.

Basic Qualifications

- Bachelor's degree or equivalent
- Experience in compliance program management, legal, governance, audit, risk/loss prevention, or equivalent
- Experience handling confidential information

Preferred Qualifications

- Experience with SQL and Excel
- Experience in program requirements definition, together with data and metrics leveraging to drive improvements

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