Credit Risk Manager, Amazon Payments

Amazon is hiring a Credit Risk Manager, Amazon Payments in São Paulo, Brazil. Level rates it ; you can apply on Amazon.

Level's read on this job

Level rates this role Little AI ●○○○: aI is not part of the work.
Tools and skills the posting cites include credit risk, risk management and data analysis.
Level classifies it as a mid-level role.
Level lists 20,000+ other open roles at Amazon.

AI in this role

Manage credit risk policies, portfolio performance, and optimization strategies for Amazon Payments in Brazil.

credit-riskrisk-managementdata-analysisa-b-testingsql

Are you looking for a new challenge in a fast-paced, innovative company? Come make history with Amazon's Brazil team! We are seeking a hands-on and analytically strong Credit Risk Individual Contributor to support the execution of our credit initiatives in Brazil and help create access to affordable payment methods. You will own the development and optimization of credit policies, working closely with senior leadership and cross-functional teams to manage and improve our digital credit products.

The ideal candidate possesses solid credit risk management experience, strong analytical skills, and a proven track record executing credit strategies end-to-end. You must be able to thrive in an entrepreneurial environment and not be hindered by ambiguity or competing priorities.

Key job responsibilities
- 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.

About the team
Brazil Payments is part of the International Emerging Stores Payments team and focuses on supporting the launch of new payment and financial products to our customers in Brazil.

Basic qualifications

- Bachelor's degree
- Speak, write, and read fluently in English
- Solid experience in credit risk, credit policy, or portfolio management in financial services, fintech, or banking.

Preferred qualifications

- Knowledge of analytics & statistical tools such as SAS, PowerBI, SQL & ETL DW concepts
- 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.
- 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)

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.

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How we rate this

Credit Risk Manager, Amazon Payments at Amazon rates 0 out of 100 for how much of the daily work is AI. That makes it Little AI (AI Level 1 of 4). The level is about AI in the job, not seniority.

Classification

Little AI. AI is not part of the work.

●●●● Builds AI80 to 100
●●●○ Works on AI60 to 79
●●○○ Uses AI40 to 59
●○○○ Little AI0 to 39

Levels come from how often the tools, models and workflows of the role are named in the posting itself. Read the description and count the AI tools, models and workflows it names.

Key facts

Credit Risk Manager, Amazon Payments is an open job at Amazon.
Level rates this role AI Level 1 of 4: Little AI.
The role is based in BR, SP, Sao Paulo.
The job was posted on October 14, 2026.
Seniority: mid.
Applications are handled by Amazon. Apply on Amazon

Prepare for this job

Built from this posting and from similar jobs on Level.

Skills and AI tools this role asks for

Credit RiskRisk ManagementData AnalysisA B TestingSQL

Questions you could be asked

Tell me about a project where credit risk was part of your work. What did you do?
Tell me about a project where risk management was part of your work. What did you do?
Tell me about a project where data analysis was part of your work. What did you do?
Tell me about a project where a b testing was part of your work. What did you do?
Tell me about a project where sql was part of your work. What did you do?

Adapt your resume

List these exact terms on your resume: Credit Risk, Risk Management, Data Analysis, A B Testing, and SQL. An applicant tracking system matches the wording, not the idea.
Attach one line of real, concrete experience to at least one of them. A tool named with nothing behind it rarely survives a human read.

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