Senior Credit Risk Manager, Amazon Payments

Are you looking for a new challenge in a fast-paced, innovative company? Come make history with Amazon's Brazil team! We are seeking a hands-on and analytically strong Credit Risk Individual Contributor to support the execution of our credit initiatives in Brazil and help create access to affordable payment methods. You will own the development and optimization of credit policies, working closely with senior leadership and cross-functional teams to manage and improve our digital credit products.

The ideal candidate possesses solid credit risk management experience, strong analytical skills, and a proven track record executing credit strategies end-to-end. You must be able to thrive in an entrepreneurial environment and not be hindered by ambiguity or competing priorities.

Key job responsibilities
Define and own the end-to-end credit strategy across the customer lifecycle (acquisition, activation, limit management, and maintenance), setting strategic direction aligned with risk appetite, P&L targets, and long-term growth.

Own portfolio performance management, synthesizing insights across approval rates, FPD, loss rates, incremental profitability, and vintage curves to identify structural risks and translate them into strategic recommendations with quantified financial impact.

Design the experimentation framework for credit decisioning, ensuring statistical rigor and mentoring junior analysts on test design and implementation.

Lead cross-functional initiatives with Data Science, Product, Engineering, Finance, and Collections to drive automation and scalability of decision-making systems.

Proactively respond to macroeconomic shifts and regulatory changes, developing scenario analyses and contingency strategies for senior leadership.

Own the credit risk governance framework, including risk appetite definition, policy documentation, and stakeholder reporting cadences.

Mentor and develop junior credit analysts, fostering a culture of analytical rigor and bias for action within the team.

About the team
Brazil Payments is part of the International Emerging Stores Payments team and focuses on supporting the launch of new payment and financial products to our customers in Brazil.

Basic Qualifications

- Bachelor's degree or equivalent
- Speak, write, and read fluently in English
- Solid experience in credit risk, credit policy, or portfolio management in financial services, fintech, or banking.

Preferred Qualifications

- Knowledge of machine learning models
- Deep expertise in credit underwriting, collections strategy and fraud prevention across consumer lending products in Latin American markets, particularly Brazil.
- Proven track record designing and implementing credit risk frameworks that balanced growth targets with loss mitigation in high-growth environments.
- Strong proficiency in SQL and at least one analytical tool (SAS, Python, or R)
- Proven ability to analyze large datasets and translate findings into actionable credit strategies
- Knowledge of Brazilian credit bureau data (Serasa, SPC, Boa Vista)

Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit https://amazon.jobs/content/en/how-we-hire/accommodations for more information. If the country/region you’re applying in isn’t listed, please contact your Recruiting Partner.