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.
Key job responsibilities
•Underwrite medium-to-large credit applications;
•Evaluate portfolio risks across WW portfolios, monitoring and creating risk metrics;
•Improve processes to increase efficiency and improve risk mitigation across WW markets;
•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.
We are open to hiring candidates to work out of one of the following locations:
Seattle, WA, USA BASIC QUALIFICATIONS - Bachelor's degree in Business, Finance, Economics or Equivalent Experience.
- Robust analytical and excel skills, including the ability to be hands-on and dive deep into details, identifying root cause and propose solutions.
- Results-oriented: Proven track record of on-time project delivery for impactful, cross-functional initiatives.
- Minimum 4 years of experience in credit risk, underwriting and/or commercial lending.
- Ability to interpret key business financial statements/information.
- Experience in change management and driving adoption of new tools, processes, and decision support (i.e. scaling).
- Experience creating new credit policies and SOPs.
- Strong attention to detail and excellent problem-solving skills.
- Able to build positive business relationships and work collaboratively with cross-functional teams.
- Demonstrated ability to manage multiple projects, prioritization, planning and task delegation.
