Senior Credit Risk Analyst, Credit Strategy & Operations - Pay by Invoice

Amazon; London; On-site; GBP 50,000 - 80,000; Full time

Job summary

Join a leading company in providing financial solutions as a Senior Credit Risk Analyst. In this role, you will be responsible for credit applications and portfolio management, ensuring risk mitigation while enhancing process efficiency. This position offers an exciting opportunity for analytical professionals looking to shape credit strategies in a dynamic environment.

Benefits

Medical, Dental, and Vision Coverage

Maternity and Parental Leave Options

Paid Time Off (PTO)

401(k) Plan

Qualifications

• Experience in credit risk, underwriting and/or commercial lending.
• Robust analytical and excel skills.
• Demonstrated ability to manage multiple projects.

Responsibilities

• Underwrite medium-to-large credit applications.
• Evaluate and monitor portfolio risks across WW portfolios.
• Establish credit adjudication and performance monitoring platform.

Skills

Analytical skills

Credit risk assessment

Project management

Education

Bachelor’s degree in Business, Finance, Economics

MBA and/or Equivalent designation

Tools

SQL

Job description

Senior Credit Risk Analyst, Credit Strategy & Operations - Pay by Invoice

Job ID: 3016273 | Amazon EU SARL (UK Branch)

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 Lending’s 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, we'd still love to hear from you! At Amazon, we value people with unique backgrounds, experiences, and skillsets. If you’re 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.

BASIC QUALIFICATIONS

- Bachelor’s 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.

PREFERRED QUALIFICATIONS

- 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 (https://www.amazon.jobs/en/privacy_page ) 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 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.

Posted: March 6, 2025 (Updated about 16 hours ago)

Posted: June 24, 2025 (Updated about 21 hours ago)

Posted: May 21, 2025 (Updated about 22 hours ago)

Posted: April 11, 2025 (Updated 1 day ago)

Posted: June 23, 2025 (Updated 1 day ago)

Amazon is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status.