Sr. Risk Manager – Portfolio Management, Amazon Business Payments, Pay-by-Invoice

Sr. Risk Manager – Portfolio Management, Amazon Business Payments, Pay-by-Invoice Overview

This role sits within Amazon Business Payments and focuses on portfolio management for pay-by-invoice and lending products. The team is working to change how businesses pay on Amazon by offering invoicing, working capital, and other payment solutions for Amazon Business customers, sellers, and small businesses around the world. As part of Amazon’s global Consumer Payments organization, the group is building financial services and payment experiences that customers can trust and find valuable.

The position is a senior individual-contributor role reporting to the Head of EU Credit Strategy. It is designed for someone who can lead credit performance strategy for the UK and EU lending portfolios and help determine how capital is deployed to support small business growth across Europe. The work combines risk management, growth strategy, product thinking, and technical collaboration, with a strong emphasis on responsible lending at scale.

What you will do

• Own the credit strategy for the full customer lifecycle across the UK and EU lending portfolios, with direct influence over portfolio growth and the pace at which the lending business can scale.
• Lead the portfolio risk and performance approach for Amazon Business Payments’ lending activity, balancing growth goals with disciplined risk management and customer capital needs.
• Partner with Science teams to develop new product features, define model rule sets, and improve automated credit decisioning using AI and machine learning.
• Work across Product, Technology, Science, and Business teams to drive change, align priorities, and move strategic initiatives forward through influence.
• Spot opportunities for innovation, design experiments, and help create payment experiences that are better for customers.
• Define, monitor, and explain portfolio performance metrics to senior leadership, while taking ownership of the business goals and results tied to those metrics.
• Help build and evolve the systems and infrastructure that support responsible lending at Amazon scale.
• Operate as an individual contributor rather than a people manager, while still playing a leadership role across the organization.

What the team is looking for

• Someone who is highly analytical and comfortable solving complex business problems.
• A strong program manager who can coordinate work across multiple teams and keep initiatives moving.
• A person who is resourceful, customer-focused, and collaborative.
• Excellent communication skills and the ability to build productive relationships with important stakeholders.
• Experience influencing senior leaders and navigating organizations where decisions are made through multiple layers.

Required experience and qualifications

• Practical experience using advanced SQL, including writing complex queries from the ground up across multiple tables.
• A bachelor’s degree.
• Proven analytical ability, strong attention to detail, and effective communication skills.
• Experience working with senior stakeholders and influencing leadership decisions in structured or layered environments.

Preferred background

• A master’s degree.
• Experience in internal audit, risk management, or a similar equivalent background.

Additional information

The role is based in London, United Kingdom. Amazon describes the position as part of its Project/Programme/Product Management function, non-technical in classification, and it is presented as a high-impact opportunity within the company’s payments and lending strategy work.

Amazon says it is an equal opportunities employer and makes hiring decisions based on experience and skills. The company also states that it values diversity, inclusion, and an environment where employees can deliver strong results for customers.

For candidates who need support during the hiring process, Amazon provides information about workplace accommodations and adjustments for the application, interview, and onboarding stages. The company also directs applicants to its privacy notice for details on how candidate data is collected, used, and transferred.

Degree Requirement: Not Specified

Visa Sponsorship May be