Sr Risk Manager, Amazon Business Payments & Lending

Amazon; Seattle (WA); On-site; USD 121,000 - 164,000; Full time

Job summary

Amazon is seeking a Sr. Portfolio Manager for B2B Payments and Lending to drive strategy and performance of lending portfolios at the intersection of product management, data analytics, and portfolio strategy.

You will lead data-driven initiatives, define features and operational processes, and work with AI-enabled tools and teams across time zones to scale the portfolio. This role blends strategic thinking, hands-on analytics, and cross-functional leadership.

Qualifications

• Bachelor's degree or above.
• 8+ years of experience in product management, program management, business operations, or data analytics roles.
• Experience managing complex, cross-functional programs from conception through delivery.
• Strong analytical skills with proficiency in SQL and data analysis tools (Excel, Python, R, or similar).
• Experience in written and verbal communication with the ability to present complex technical information to executives and non-technical leaders.

Responsibilities

• Define and own portfolio health metrics, performance targets, and escalation thresholds across the customer lifecycle.
• Identify emerging trends and business risks proactively; develop and execute mitigation strategies to protect Amazon's balance sheet.
• Drive strategic initiatives from concept to launch, working backwards from customer needs while balancing growth and sustainability objectives.
• Partner with Product teams to define features, policies, and customer experiences that enable scalable, automated decision-making.

Skills

Analytical skills

Prioritization

Cross-functional partnerships

Executive communication

Education

Bachelor's degree or above

MBA or related master’s degree

Tools

SQL

Excel

Python

R

Job description

Amazon B2B Payments and Lending team is looking for a Sr. Portfolio Manager to join the Payments team to drive the strategy and performance of our lending portfolios. This role sits at the intersection of product management, data analytics, and portfolio strategy - requiring someone who can think like a product manager, analyze like a data scientist, and operate with the strategic mindset needed to scale a financial services business.

The successful candidate will be a thought leader and builder who thrives on ambiguity, uses data to drive decisions, and partners across multiple organizations to deliver results. You’ll work backwards from customer needs while balancing business objectives, defining product features and operational processes that scale, and using metrics to continuously improve portfolio performance through economic cycles.

A unique aspect of this role: You’ll be at the forefront of AI-enabled portfolio management, contributing to the development and deployment of our Portfolio Manager AI Agent – a generative AI tool designed to augment portfolio managers’ capabilities by automating analysis, generating insights, and drafting L10 docs. You’ll both leverage this agent to amplify your impact and help shape its evolution based on portfolio management needs.

Key job responsibilities

Strategic Planning & Execution

• Define and own portfolio health metrics, performance targets, and escalation thresholds across the customer lifecycle
• Identify emerging trends and business risks proactively; develop and execute mitigation strategies to protect Amazon's balance sheet
• Drive strategic initiatives from concept to launch, working backwards from customer needs while balancing growth and sustainability objectives
• Partner with Product teams to define features, policies, and customer experiences that enable scalable, automated decision-making

Cross-Functional Leadership

• Build and maintain strong partnerships with onsite operations, Product, Engineering, Science, and Account Receivables teams
• Influence stakeholders across the organization to drive alignment and action without direct reporting authority
• Own end-to-end program execution, managing dependencies and driving results across multiple teams and time zones
• Establish and manage loss mitigation and recovery processes in partnership with collections teams

Data-Driven Innovation

• Leverage data analysis to identify opportunities for portfolio optimization and customer experience improvements
• Design and drive experiments that test hypotheses and inform product and operational decisions
• Build mechanisms to monitor portfolio performance, surface insights, and enable rapid response to changing conditions
• Partner with underwriting operations on complex decisions requiring manual review or exceptions, using data to inform judgment calls

AI-Enabled Portfolio Management

• Provide requirements to shape the agent's capabilities based on portfolio management workflows
• Develop the behind the scenes knowledge base and deterministic analysis tools that AI agent will leverage
• Actively use the AI Agent to conduct portfolio analysis, generate insights, and draft communications at scale
• Identify opportunities to automate repetitive analytical tasks and scale decision-making through AI augmentation
• Collaborate with Science and Engineering teams to improve agent performance and expand use cases
• Serve as a power user and advocate for AI-enabled tools within the portfolio management function

Operational Excellence

• Define SOPs and operational processes that enable efficient scaling while maintaining high quality standards
• Establish mechanisms for continuous improvement and operational efficiency
• Drive automation initiatives that improve customer experience while reducing operational burden

About The Team

Do you like helping small businesses grow? Do you enjoy working across organizations and scaling programs? Come join us 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.

Basic Qualifications

• Bachelor's degree or above
• Experience managing competing priorities and using metrics to drive business decisions
• Experience building cross-functional partnerships and influencing stakeholders across the organization to act without having a direct reporting relationship
• Experience in written and verbal communication with the ability to present complex technical information in a clear and concise manner to executives and non-technical leaders
• Experience in managing multiple, competing priorities simultaneously
• 8+ years of experience in product management, program management, business operations, or data analytics roles
• Experience managing complex, cross-functional programs from conception through delivery
• Strong analytical skills with proficiency in SQL and data analysis tools (Excel, Python, R, or similar)
• High attention to detail with a bias for action and willingness to dive deep to solve problems at root cause

Preferred Qualifications

• Master's degree in business administration, finance, economics, computer science, data science, engineering, or other related field
• Experience with financial services, payments or e-commerce
• Familiarity with credit concepts, portfolio management, or financial risk principles
• Experience building and scaling 0-to-1 products or programs
• Demonstrated success driving innovation and experimentation in ambiguous environments
• Experience working with AI/ML tools, large language models, or generative AI applications
• Background in building automated decision systems or working with machine learning models
• Experience working with global teams across multiple time zones
• Curiosity about AI and enthusiasm for exploring how generative AI can transform knowledge work

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.

The base salary range for this position is listed below. Your Amazon package will include sign-on payments and restricted stock units (RSUs). Final compensation will be determined based on factors including experience, qualifications, and location. Amazon also offers comprehensive benefits including health insurance (medical, dental, vision, prescription, Basic Life & AD&D insurance and option for Supplemental life plans, EAP, Mental Health Support, Medical Advice Line, Flexible Spending Accounts, Adoption and Surrogacy Reimbursement coverage), 401(k) matching, paid time off, and parental leave. Learn more about our benefits at https://amazon.jobs/en/benefits.

USA, NY, New York - 133,300.00 - 185,000.00 USD annually

USA, WA, Seattle - 121,400.00 - 163,900.00 USD annually

Company - Amazon.com Services LLC