Credit Risk Manager, Amazon Payments

Amazon; São Paulo; On-site; BRL 180,000 - 320,000; Full time

Job summary

Amazon Servicos de Varejo do Brasil Ltda. seeks a Credit Risk Individual Contributor to own and optimize credit policies for Brazil customers. You will collaborate with leadership and cross-functional teams to manage digital credit products and drive risk-adjusted growth.

You will analyze portfolio performance, design experiments, and support collections while embedding risk controls across customer journeys. English fluency and strong SQL/Python/R skills are essential.

Qualifications

• Bachelor's degree or equivalent.
• Solid experience in credit risk, credit policy, or portfolio management in financial services, fintech, or banking.
• Speak, write and read fluently in English.
• Experience with A/B testing.
• Deep expertise in credit underwriting, collections strategy and fraud prevention across consumer lending products in Latin American markets, particularly Brazil.
• Proficiency in SQL and at least one analytical tool (SAS, Python, or R).
• Ability to analyze large datasets and translate findings into actionable credit strategies.
• Familiarity with machine learning models applied to credit scoring or segmentation.
• Knowledge of Brazilian credit bureau data (Serasa, SPC, Boa Vista).

Responsibilities

• Develop, implement, and monitor credit policies across the customer lifecycle, ensuring alignment with risk appetite and business goals.
• Analyze portfolio performance leveraging data-driven insights to identify trends, risks, and opportunities for optimization across key metrics.
• Design and execute A/B tests and experiments to improve underwriting rules, decision models, and segmentation strategies.
• Support collections and recovery strategy execution, including segmentation logic and performance tracking.
• Build and maintain risk dashboards and reporting cadences for senior leadership.
• Partner with Data Science, Product, Engineering, and Finance teams to embed risk controls into customer journeys.
• Identify signs of macroeconomic deterioration or improvement and propose strategies with trade-off analysis.
• Develop credit risk frameworks, including risk appetite definitions and governance routines.

Skills

SQL

Python

SAS

R

A/B testing

Credit underwriting

Fraud prevention

Data analysis

English fluency

Education

Bachelor's degree or equivalent

Tools

SQL

Python

R

SAS

Job description

Description

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

• Develop, implement, and monitor credit policies across the customer lifecycle (acquisition, activation, limit management, and maintenance), ensuring alignment with risk appetite and business goals.
• Analyze portfolio performance leveraging data-driven insights to identify trends, risks, and opportunities for optimization across key metrics (approval rates, FPD, loss rates, Incremental profitability and vintage curves).
• Design and execute A/B tests and champion/challenger experiments to continuously improve underwriting rules, decision models, and segmentation strategies.
• Support collections and recovery strategy execution, including segmentation logic, collection rules, and performance tracking of internal and external collection efforts.
• Build and maintain risk dashboards and reporting cadences, translating complex data into actionable narratives for senior leadership and stakeholders.
• Partner with Data Science, Product, Engineering, and Finance teams to embed risk controls into customer journeys, ensuring scalable and automated decision-making.
• Identify signs of macroeconomic deterioration or improvement that may impact portfolio performance and propose strategies with clear trade-off analysis.
• Support the development of credit risk frameworks, including risk appetite definition, governance documentation, and policy governance routines.

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
• Solid experience in credit risk, credit policy, or portfolio management in financial services, fintech, or banking.
• Speak, write and read fluently in English

Preferred Qualifications

• Experience with A/B testing
• 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
• Familiarity with machine learning models applied to credit scoring or segmentation
• 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.

Company

Amazon Servicos de Varejo do Brasil Ltda.

Job ID: A10469702