Credit Risk Analyst, Credit Strategy & Operations - Pay by Invoice

Company: Amazon
Location: Seattle
Posted on: April 1, 2026

Job 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. B2B Payments and Lending’s Credit Strategy and Operations team is looking for a smart, motivated, and analytical Credit Risk Analyst to join our underwriting and portfolio management team. The successful candidate will have a deep understanding of underwriting and related systems, as well as portfolio risk management experience. This role involves high judgment decision making, use/creation of risk analytics, the ability to analyze customer financials, complex underwriting, and management of SLAs. The successful candidate will have a strong desire in innovating processes, strong attention to detail and exceed expectations in a dynamic, fast-paced and often ambiguous environment. The role will support underwriting operations for international expansions. This role will report into the NA Credit Operations Manager based in Seattle, WA. Key job responsibilities • Underwrite small-to-medium credit applications • Evaluate portfolio risks across WW portfolios, monitoring and creating risk metrics. • Support the launch and scaling of credit operations in new and emerging markets • Improve underwriting processes to increase efficiency and strengthen risk mitigation • Contribute to and build underwriting/credit strategies across the portfolio and individual customer sub-segments. • Assist in defining policies and product features to support automated and manual credit decisioning and monitoring. • Establish, constantly improve, and be a thought leader for a credit adjudication and performance monitoring platform. • Develop processes, mechanisms, and Standard Operating Procedures (SOPs) to grow efficiently and in a scalable way. • Review complex credit decisions that require manual reviews or exceptions. • Participate in program operations, partner with product managers and contribute to team-wide improvement goals. • Manage relationships with key stakeholders and partner with cross-organizational teams on high priority initiatives. About the team The team is responsible for making decisions on Amazon Business (AB) customers’ eligibility for the Pay By Invoice (PBI) payment product at initial assessment, proactively and by request, while balancing spend opportunities and mitigating credit/write off risk. Our mission is to drive the Amazon flywheel by enabling credit on PBI for all eligible customers registering on AB with best-in-class risk management. Amazon offers a full range of benefits that support you and eligible family members, including domestic partners and their children. Benefits can vary by location, the number of regularly scheduled hours you work, length of employment, and job status such as seasonal or temporary employment. The benefits that generally apply to regular, full-time employees include: 1. Medical, Dental, and Vision Coverage 2. Maternity and Parental Leave Options 3. Paid Time Off (PTO) 4. 401(k) Plan. If you are not sure that every qualification on the list above describes you exactly, we'd still love to hear from you! At Amazon, we value people with unique backgrounds, experiences, and skillsets. If you’re passionate about this role and want to make an impact on a global scale, please apply! - Bachelor's degree or equivalent - Experience providing and effectively communicating strategic and tactical recommendations based on data - Knowledge of Microsoft Office products and applications at an advanced level - Experience managing multiple projects, prioritizing, planning, and managing time - 4 years of experience in underwriting and credit risk management - Experience with SQL and working with complex datasets - Master's degree, or MBA in finance, accounting or related field - 3 years of defining and implementing process improvement initiatives using data and metrics experience - Speak, write, and read fluently in Spanish - Experience in managing credit risk program for an unsecured lending portfolio 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, WA, Seattle - 82,700.00 - 129,800.00 USD annually

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