Credit Risk Manager, Amazon Payments

Amazon Inc.; São Paulo; Presencial; BRL 450 000 - 750 000; Tempo integral

Resumo da oferta

Amazon Inc. seeks a hands-on Credit Risk Individual Contributor to develop and optimize credit policies for Brazil, working with senior leadership and cross-functional teams to improve digital credit products.

The ideal candidate will have solid credit risk management experience, strong analytics, and a track record implementing end-to-end credit strategies in a fast-paced environment.

Qualificações

• Bachelor's degree or equivalent.
• Fluent in English.
• Solid experience in credit risk, policy, or portfolio management in financial services, fintech, or banking.
• Knowledge of analytics tools such as SAS, PowerBI, SQL, and ETL/DW concepts.
• Experience with credit underwriting, collections, and fraud prevention in Latin American markets, esp. Brazil.
• Ability to analyze large datasets and translate findings into actionable credit strategies.

Responsabilidades

• Develop, implement, and monitor credit policies across the customer lifecycle.
• Analyze portfolio performance and identify trends, risks, and optimization opportunities.
• Design and execute A/B tests and champion/challenger experiments for underwriting rules and segmentation.
• Support collections and recovery strategy execution with segmentation logic and rules.
• Build and maintain risk dashboards and reporting cadences for senior leadership.
• Partner with Data Science, Product, Engineering, and Finance to embed risk controls into journeys.
• Identify macroeconomic signals that impact portfolio performance and propose strategies.
• Develop credit risk frameworks, governance, and policy routines.

Conhecimentos

Credit risk management

Analytical skills

Data-driven decision making

Stakeholder communication

English fluency

Formação académica

Bachelor's degree in a related field

Ferramentas

SAS

PowerBI

SQL

ETL/DW concepts

Descrição da oferta de emprego

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
• - 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.