Sr Risk Manager, Lending, ABPL

Responsibilities

• Define and own portfolio health metrics, performance targets, and escalation thresholds across the customer lifecycle.
• Identify emerging trends and business risks proactively; develop and execute mitigation strategies to protect Amazon's balance sheet.
• Drive strategic initiatives from concept to launch, working backwards from customer needs while balancing growth and sustainability objectives.
• Partner with Product teams to define features, policies, and customer experiences that enable scalable, automated decision‑making.
• Build and maintain strong partnerships with onsite operations, Product, Engineering, Science, and Account Receivables teams.
• Influence stakeholders across the organization to drive alignment and action without direct reporting authority.
• Own end‑to‑end program execution, managing dependencies and driving results across multiple teams and time zones.
• Establish and manage loss mitigation and recovery processes in partnership with collections teams.
• Leverage data analysis to identify opportunities for portfolio optimization and customer experience improvements.
• Design and drive experiments that test hypotheses and inform product and operational decisions.
• Build mechanisms to monitor portfolio performance, surface insights, and enable rapid response to changing conditions.
• Partner with underwriting operations on complex decisions requiring manual review or exceptions, using data to inform judgment calls.
• Use AI Agent to conduct portfolio analysis, generate insights, and draft communications at scale.
• Identify opportunities to automate repetitive analytical tasks and scale decision‑making through AI augmentation.
• Collaborate with Science and Engineering teams to improve agent performance and expand use cases.
• Define SOPs and operational processes that enable efficient scaling while maintaining high‑quality standards.
• Establish mechanisms for continuous improvement and operational efficiency.
• Drive automation initiatives that improve customer experience while reducing operational burden.

Basic Qualifications

• Bachelor’s degree or above.
• Experience managing competing priorities and using metrics to drive business decisions.
• Experience building cross‑functional partnerships and influencing stakeholders across the organization to act without having a direct reporting relationship.
• Strong written and verbal communication skills, with the ability to present complex technical information clearly to executives and non‑technical leaders.
• Experience managing multiple, competing priorities simultaneously.
• 8+ years of experience in product management, program management, business operations, or data analytics roles.
• Experience managing complex, cross‑functional programs from conception through delivery.
• Strong analytical skills with proficiency in SQL and data analysis tools (Excel, Python, R, or similar).
• High attention to detail, bias for action, and willingness to dive deep to solve problems at root cause.

Preferred Qualifications

• Master’s degree or MBA in business, data science, public administration, finance, engineering, human resources, or related field.
• Speak, write, read fluently in Japanese at a business level or above (N1+).
• Experience with financial services, payments, or e‑commerce.
• Familiarity with credit concepts, portfolio management, or financial risk principles.
• Experience building and scaling 0‑to‑1 products or programs.
• Demonstrated success driving innovation and experimentation in ambiguous environments.
• Experience working with AI/ML tools, large language models, or generative AI applications.
• Background in building automated decision systems or working with machine learning models.
• Experience working with global teams across multiple time zones.
• Curiosity about AI and enthusiasm for exploring how generative AI can transform knowledge work.

Benefits

Amazon offers a comprehensive benefits package, including health insurance, 401(k) matching, paid time off, and parental leave. Compensation will include base salary, sign‑on payments, and restricted stock units (RSUs). Salary range: USD 121,400.00 – 163,900.00 annually (Seattle, WA).

Amazon is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status.