Credit Risk Analyst, Credit Strategy & Operations Pay by Invoice

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 Consumer 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. The role will support underwriting operations for international expansions.

This role will report into the NA Credit Operations Manager based in Seattle WA.


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.

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.

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!

- 4 years of compliance program management legal governance audit risk/loss prevention or equivalent experience
- Bachelors degree or equivalent
- Experience demonstrating problem solving and root cause analysis
- Speak write and read fluently in Spanish
- Experience in commercial credit risk management
- Working knowledge of SQL and Python and experience in processing complex datasets from multiple sources
- Clear examples of demonstrated judgment and strategic insight
- Analytical and problem-solving skills including the ability to recognize non-obvious patterns
- Knowledge of Microsoft Office products and applications at an advanced level
- Strong communication skills both written and verbal
- Experience managing complex projects with multiple stakeholders

- 3 years of program requirements definition and data and metrics leveraging to drive improvements experience
- Professional auditing qualification or similar risk or compliance credentials
- MBA CFA or Masters Degree in relevant fields
- Experience in managing credit risk program for an unsecured lending portfolio

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.

Our compensation reflects the cost of labor across several US geographic markets. The base pay for this position ranges from $66800/year in our lowest geographic market up to $142800/year in our highest geographic market. Pay is based on a number of factors including market location and may vary depending on job-related knowledge skills and experience. Amazon is a total compensation company. Dependent on the position offered equity sign-on payments and other forms of compensation may be provided as part of a total compensation package in addition to a full range of medical financial and/or other benefits. For more information please visit This position will remain posted until filled. Applicants should apply via our internal or external career site.