Sr Risk Manager, Lending, Amazon B2B Payments - PBI

ENGINEERINGUK; London; On-site; GBP 50,000 - 90,000; Full time

Job summary

An innovative company is seeking a Sr. Risk Manager to lead credit management for small businesses within the B2B Payments sector. This role involves developing and managing credit strategies, improving decision-making processes, and ensuring effective risk management practices. The successful candidate will leverage analytical skills to drive innovations that enhance customer experiences while maintaining a focus on portfolio health. Join a dynamic team dedicated to empowering businesses with the capital they need to thrive in a competitive landscape. This is an exciting opportunity to make a significant impact in a fast-paced environment.

Qualifications

• Experience in compliance, audit, or risk management is essential.
• Strong analytical and problem-solving skills required.

Responsibilities

• Manage end-to-end credit strategy across customer lifecycle.
• Develop processes and SOPs for scalable growth.

Skills

Compliance Management

Risk Management

Credit Management

Analytical Skills

Communication Skills

Project Management

Education

Bachelor's Degree

MBA

CFA

FRM

Tools

Microsoft Office

SQL

Python

Job description

Sr Risk Manager, Lending, Amazon B2B Payments - PBI

DESCRIPTION
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.

Amazon B2B Payments and Lending team is looking for a Sr. Portfolio Manager to join the Payments team to manage the credit performance of European Lending portfolio. The successful candidate will be a thought leader who can help build and scale a best-in-class credit management program. This candidate will be responsible for managing the Lending program from a risk perspective to solve small and medium-sized businesses' challenges getting the capital they need to grow their businesses while staying within a target loss rate. In this role, the candidate will drive credit policy changes and procedures and inform automated decisions and monitoring systems based on the customer's financials and credit worthiness. The ideal candidate should possess strong people and credit management skills, directly support continuous improvement initiatives, be highly analytical, resourceful, customer-focused and team oriented, with strong communication skills and the ability to build strong relationships with key stakeholders.

Key job responsibilities
The primary responsibilities of this role include, but are not limited to:

1. Managing end-to-end credit strategy across customer lifecycle and through economic cycles and other shocks
2. Assist in defining policies and product features to support credit decisioning and monitoring
3. Establish, constantly improve, and be a thought leader for a credit adjudication and performance monitoring platform
4. Develop processes, mechanisms and Standard Operating Procedures (SOPs) to grow efficiently and in a scalable way
5. Partner with underwriting operations on complex credit decisions that require manual reviews or exceptions
6. Identify innovations and drive experiments that provide customers with a great payment experience
7. Identify, monitor and communicate the right metrics to measure decision quality and portfolio health
8. Participate in program operations, partner with product managers and contribute to team-wide improvement goals
9. Own relationships with Account Receivables to establish and manage loss mitigation and recovery processes

BASIC QUALIFICATIONS

1. Experience in compliance, audit or risk management experience
2. Knowledge of Microsoft Office products and applications at an advanced level
3. Bachelor's degree or equivalent
4. Experience in commercial credit risk management
5. Working knowledge of SQL and Python, and experience in processing complex datasets from multiple sources
6. Experience managing complex projects with multiple stakeholders

PREFERRED QUALIFICATIONS

1. MBA, CFA, FRM or Master's Degree in relevant fields
2. Experience in managing and scaling credit risk programs for unsecured lending portfolio, especially in B2B lending environments
3. Clear examples of demonstrated judgment and strategic insight
4. Analytical and problem-solving skills, including the ability to recognize non-obvious patterns
5. Strong communication skills, both written and verbal
6. High attention to detail and desire to roll up sleeves and solve problems at root cause
7. Effective time management, prioritization, and organizational skills

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.