Risk Manager III, Financial Services Mexico

Amazon.com Inc.; Estado de México; On-site; MXN 1,400,000 - 2,200,000; Full time

Job summary

Amazon Inc. is seeking a Risk Manager III within Payments to lead strategy and portfolio lifecycle for a high-growth consumer financial product. You will design data-driven underwriting policies and run champion/challenger experiments to translate analytics into action before P&L deterioration.

Collaborating with finance, technology, and product teams, you will balance profitable growth with loss containment and customer experience, defining how financial risk is managed at Amazon from day one.

Qualifications

• Bachelor's degree in business administration, finance, economics, computer science, data science, engineering, or other related field.
• Experience working across functional teams and senior stakeholders.
• Fluent in English (speaking, writing, and reading).
• 7+ years in consumer credit risk management and origination policy for consumer lending products.
• Experience managing complex, cross-functional risk programs, influencing roadmaps and decisions across organizations.
• Experience designing and executing testing programs and producing loss/balance forecasts (12–24 months).

Responsibilities

• Design and maintain end-to-end origination policy, including score cutoffs, decision trees, income verification rules, initial line assignment, and segment-level pricing.
• Own portfolio lifecycle strategy with proactive and reactive line adjustments and delinquency reductions.
• Build champion/challenger testing program for origination experiments and analysis.
• Monitor origination funnel and portfolio health with vintage analyses, roll rates, and loss forecasts.
• Partner with legal, regulatory, finance, and technology to align risk programs with policy.

Skills

Team collaboration

English proficiency

Stakeholder communication

Risk management leadership

Testing program design

Education

Bachelor's degree (business/finance/economics/CS/data science/engineering)

Tools

CFA

TM1

Cognos

Essbase

SQL

Data warehouse

Job description

Amazon is building a new payment method, and we need a risk leader to shape it from the ground up. As a Risk Manager III within our Payments organization, you will own the strategy and portfolio lifecycle management for a high-growth consumer financial product. You will design data-driven underwriting policies, run champion/challenger experiments, and translate portfolio analytics into action before deterioration reaches the P&L. Working closely with partners in finance, technology, and product teams, you will balance profitable volume growth with loss containment and customer experience. If you are a self-starter who thrives on building new capabilities in ambiguous environments, this is your opportunity to define how financial risk is managed at Amazon.

Key job responsibilities

• Design and maintain the end-to-end origination policy, including score cutoffs, decision trees, income verification rules, initial line assignment, and segment-level pricing, then lead periodic calibration of each component.
• Own the portfolio lifecycle strategy by defining proactive and reactive line adjustments, transactional authorization rules, and preventive treatments for early-stage delinquent accounts before they enter collections.
• Build and execute the champion/challenger testing program for origination, including test cell design, sample sizing, maturation windows, swap-in/swap-out analysis, and reject inference that feeds the modeling team.
• Monitor the full origination funnel and portfolio health through vintage analysis, roll rates, transition matrices, and 12-to-24-month loss and balance forecasts, reconciling monthly against actuals and escalating early warning signals to financial and risk committees.
• Partner with legal, regulatory, finance, and technology teams to interpret applicable laws and business policies, represent financial risk programs to senior leaders and external auditors, and align risk reduction strategies with the broader organizational framework.

A day in the life

You will start your morning reviewing portfolio performance dashboards, checking approval rates, First and Second Payment Default trends, and vintage loss trajectories against established thresholds. From there, you will join working sessions with the modeling team to assess experiment results and calibrate line assignment strategies, then coordinate with commercial and operations partners to align origination targets with risk appetite. You will prepare committee-ready narratives, reconcile the monthly risk P&L against forecast, and apply your judgment to trade-offs between short-term volume goals and long-term portfolio health.

About the team

We are the first team at Amazon building a new business, and we sit within the Payments organization. Today the team is small by design, which means you will have an outsized role in shaping our financial risk function, processes, and culture from day one. Our closest partners span finance, technology, and commercial teams, and together we are investing in creating a world-class underwriting and risk capability. If you want to help define something new at Amazon and see your work directly reflected in the product, we would love to hear from you.

Basic Qualifications

• Bachelor's degree in business administration, finance, economics, computer science, data science, engineering, or other related field
• Experience working across functional teams and senior stakeholders
• Speak, write, and read fluently in English, and have the ability to take direction in English
• 7+year experience in consumer credit risk management and origination policy for consumer lending products.
• Experience managing complex, cross-functional risk programs, influencing roadmaps and business and technology decisions across one or more organizations.
• Experience designing and executing testing programs. Experience producing loss and balance forecasts (12–24 months),portfolio KPIs and risk-adjusted P&L by segment.

Preferred Qualifications

• Experience in influencing senior leadership through data driven insights
• CFA and experience with cube engine tools (e.g. TM1, Cognos or Essbase), SQL and Data warehouse

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: October 26, 2026 (Updated 17 days ago)

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.