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Credit Risk Manager, Amazon Payments

Amazon
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Sao Paulo, BrazilPosted yesterday

About the role

Hands-on and analytically strong Credit Risk role in Amazon's Brazil team, owning development and optimization of credit policies for digital credit products, partnering with cross-functional teams to embed risk controls and drive scalable decision-making.

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.

Qualifications

  • Bachelor's degree or equivalent
  • Speak, write, and read fluently in English at C1 level or above

Skills

Required:Credit underwritingCollections strategySQLAnalytical tools (SAS, Python, or R)
Nice to have:Machine learning in credit scoringBrazilian credit bureau data
Last updated Oct 25, 2026. Interested? Apply on the company site.

About Amazon

Amazon.com, Inc. or its affiliates

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