Sr Portfolio Manager, Lending, ABPL

Do you like helping small businesses grow? Do you enjoy working across organizations and scaling programs? Come join us as we scale to be the most trusted B2B financial service solution provider across Amazon! The Amazon Business Payments and 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.

Amazon Business Payments and Lending Credit Strategy and Operations team is looking for a Sr. Portfolio Manager to join the Payments team to manage the credit performance of the North America Lending portfolio. The successful candidate will be a thought leader who can help build and scale a best-in-class credit management program. This candidate will be responsible for managing the Lending program from a risk perspective to solve small and medium-sized businesses' challenges getting the capital they need to grow their businesses while staying within a target loss rate. In this role, the candidate will drive credit policy changes and procedures and inform automated decisioning and monitoring systems based on the customer’s financials and credit worthiness. The ideal candidate should possess strong people and credit management skills, directly support continuous improvement initiatives, be highly analytical, resourceful, Customer-focused and team oriented, with outstanding communication skills and the ability to build strong relationships with key stakeholders. This is a management role directly managing a team of risk managers; demonstrated success managing a team is a must.

Key job responsibilities
The primary responsibilities of this role include, but are not limited to:
• Managing end-to-end credit strategy across customer lifecycle and through economic cycle (recessions) and other shocks
• Assist in defining policies and product features to support credit decisioning and monitoring
• Coach and mentor a team of risk managers
• 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
• Partner with underwriting operations on complex credit decisions that require manual reviews or exceptions
• Identify innovations and drive experiments that provide customers with a great payment experience
• Identify, monitor and communicate the right metrics to measure decision quality and portfolio health
• Participate in program operations, partner with product managers and contribute to team-wide improvement goals
• Own relationships with Account Receivables to establish and manage loss mitigation and recovery processes

Basic Qualifications

• Strong experience in finance services with deep credit risk management experience and managing credit strategy through economic cycle (recessions) and other shocks
• Experience in managing, implementing and executing a credit risk program for a large, complex, multi-national portfolio
• Working knowledge of SQL and experience in processing complex datasets from multiple sources
• Bachelor’s degree or equivalent is required
• Clear examples of demonstrated judgment and strategic insight
• Experience managing and developing a team
• Experience managing complex projects with multiple stakeholders
• Analytical and problem-solving skills, including the ability to recognize non-obvious patterns
• Strong communication skills, both written and verbal
• High attention to detail and desire to roll up sleeves and solve problems at root cause
• Effective time management, prioritization, and organizational skills
• Growth potential to develop as a senior executive

Preferred Qualifications

• MBA, CFA or Master's Degree in relevant fields
• Experience in Commercial credit risk management
• Experience in Installment loans is a plus





Amazon is committed to a diverse and inclusive workplace. Amazon is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation, please visit https://www.amazon.jobs/en/disability/us.


Our compensation reflects the cost of labor across several US geographic markets. The base pay for this position ranges from $106,600/year in our lowest geographic market up to $198,300/year in our highest geographic market. Pay is based on a number of factors including market location and