Senior Credit Risk Analyst, Credit Strategy & Operations - Pay by Invoice
Senior Credit Risk Analyst, Credit Strategy & Operations - Pay by Invoice
Posted on :
25-06-2025
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1 Vacancy
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Job Description
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 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 Lendings 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.
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 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.
A day in the life
Amazon offers a full range of benefits that support you and eligible family members including domestic partners and their children. Benefits can vary by location the number of regularly scheduled hours you work length of employment and job status such as seasonal or temporary employment. The benefits that generally apply to regular full-time employees include: 1. Medical Dental and Vision Coverage 2. Maternity and Parental Leave Options 3. Paid Time Off (PTO) 4. 401(k) Plan.
If you are not sure that every qualification on the list above describes you exactly wed still love to hear from you! At Amazon we value people with unique backgrounds experiences and skillsets. If youre passionate about this role and want to make an impact on a global scale please apply!
About the team
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.
- Bachelors degree in Business Finance Economics or Equivalent Experience.
- Robust analytical and excel skills including the ability to be hands-on and dive deep into details identifying root cause and propose solutions.
- Results-oriented: Proven track record of on-time project delivery for impactful cross-functional initiatives.
- Experience in credit risk underwriting and/or commercial lending.
- Experience in change management and driving adoption of new tools processes and decision support (i.e. scaling).
- Experience creating new credit policies and SOPs.
- Demonstrated ability to manage multiple projects prioritization planning and task delegation.
- Experience with corporate/commercial credit underwriting
- Hands-on experience of working with data tools or SQL language
- MBA and/or Equivalent designation
- Able to build positive business relationships and work collaboratively with cross-functional teams.
- Strong attention to detail and excellent problem-solving skills.
- Ability to interpret key business financial statements/information.
Amazon is an equal opportunities employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We value your passion to discover invent simplify and build. Protecting your privacy and the security of your data is a longstanding top priority for Amazon. Please consult our Privacy Notice ( to know more about how we collect use and transfer the personal data of our candidates.
Amazon is an equal opportunity employer and does not discriminate on the basis of protected veteran status disability or other legally protected status.
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 for more information. If the country/region youre applying in isnt listed please contact your Recruiting Partner.
B2B Payments and Lendings 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.
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 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.
A day in the life
Amazon offers a full range of benefits that support you and eligible family members including domestic partners and their children. Benefits can vary by location the number of regularly scheduled hours you work length of employment and job status such as seasonal or temporary employment. The benefits that generally apply to regular full-time employees include: 1. Medical Dental and Vision Coverage 2. Maternity and Parental Leave Options 3. Paid Time Off (PTO) 4. 401(k) Plan.
If you are not sure that every qualification on the list above describes you exactly wed still love to hear from you! At Amazon we value people with unique backgrounds experiences and skillsets. If youre passionate about this role and want to make an impact on a global scale please apply!
About the team
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.
- Bachelors degree in Business Finance Economics or Equivalent Experience.
- Robust analytical and excel skills including the ability to be hands-on and dive deep into details identifying root cause and propose solutions.
- Results-oriented: Proven track record of on-time project delivery for impactful cross-functional initiatives.
- Experience in credit risk underwriting and/or commercial lending.
- Experience in change management and driving adoption of new tools processes and decision support (i.e. scaling).
- Experience creating new credit policies and SOPs.
- Demonstrated ability to manage multiple projects prioritization planning and task delegation.
- Experience with corporate/commercial credit underwriting
- Hands-on experience of working with data tools or SQL language
- MBA and/or Equivalent designation
- Able to build positive business relationships and work collaboratively with cross-functional teams.
- Strong attention to detail and excellent problem-solving skills.
- Ability to interpret key business financial statements/information.
Amazon is an equal opportunities employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We value your passion to discover invent simplify and build. Protecting your privacy and the security of your data is a longstanding top priority for Amazon. Please consult our Privacy Notice ( to know more about how we collect use and transfer the personal data of our candidates.
Amazon is an equal opportunity employer and does not discriminate on the basis of protected veteran status disability or other legally protected status.
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 for more information. If the country/region youre applying in isnt listed please contact your Recruiting Partner.
Required Experience:
Senior IC
Employment Type
Full-Time
Key Skills
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