About this role
Job title: Credit Risk Manager, Amazon Payments
About the Role We’re seeking a hands-on, analytically strong Credit Risk Manager to support Amazon Payments in Brazil. You’ll own development and optimization of credit policies, working with senior leadership and cross-functional teams to manage digital credit products and expand access to affordable payment methods.
What You'll Do
- 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.
What We're Looking For
- Bachelor's degree or equivalent.
- Solid experience in credit risk, credit policy, or portfolio management in financial services, fintech, or banking.
- Speak, write and read fluently in English.
- Experience with A/B testing.
- Deep expertise in credit underwriting, collections strategy and fraud prevention across consumer lending products in Latin American markets, particularly Brazil.
- Proven track record designing and implementing credit risk frameworks that balanced growth targets with loss mitigation in high-growth environments.
- Strong proficiency in SQL and at least one analytical tool (SAS, Python, or R).
- Proven ability to analyze large datasets and translate findings into actionable credit strategies.
- Familiarity with machine learning models applied to credit scoring or segmentation.
- Knowledge of Brazilian credit bureau data (Serasa, SPC, Boa Vista).
Compensation & Benefits
- Salary: Not disclosed.
- Benefits: Not specified.