Credit Risk Manager, Amazon Payments

Amazon Inc.; São Paulo; On-site; BRL 180,000 - 240,000; Full time

Job summary

Amazon Brazil is seeking a hands-on Credit Risk Individual Contributor to support credit initiatives and help create access to affordable payment methods. You will own development and optimization of credit policies, working with senior leadership to manage and improve digital credit products.

You will focus on policy development across the customer lifecycle, analyze portfolio performance with data-driven insights, and run tests to enhance underwriting rules and segmentation.

Qualifications

• Bachelor's degree or equivalent required.
• Fluent in English (speaking, reading, writing).
• Solid experience in credit risk, credit policy, or portfolio management in financial services, fintech, or banking.

Responsibilities

• Develop, implement, and monitor credit policies across the customer lifecycle (acquisition, activation, limit management, and maintenance).
• Analyze portfolio performance using data-driven insights to identify trends, risks, and optimization opportunities (approval rates, FPD, loss rates, profitability, vintage curves).
• Design and run A/B tests and experiments to improve underwriting rules, decision models, and segmentation strategies.
• Support collections and recovery strategy execution, including segmentation logic and collection rules.
• Build and maintain risk dashboards and reporting cadences for senior leadership and stakeholders.
• Partner with Data Science, Product, Engineering, and Finance to embed risk controls into customer journeys and automate decisions.
• Identify macroeconomic signals that affect portfolio performance and propose trade-offs and strategies.
• Help develop risk frameworks, including risk appetite, governance documentation, and policy routines.

Skills

English fluency

Credit risk / policy / portfolio

Education

Bachelor's degree or equivalent

Tools

SAS

PowerBI

SQL & ETL DW concepts

Job 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.

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
• 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 analytics & statistical tools such as SAS, PowerBI, SQL & ETL DW concepts
• 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.
• 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.

Amazon is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status. Veterans, military spouses, and people with disabilities are encouraged to apply.