Associate Vice President, Credit Risk, Amazon 1P Lending - Risk

Role overview

Associate Vice President, Credit Risk, Amazon 1P Lending - Risk at Amazon Pay

We are looking for a strategic and analytical Credit Risk Manager to join our Risk Management Team, with a strong understanding of risk management principles and proficiency in data management and manipulation tools such as SQL, Python, and Excel.

Responsibilities

• You will design and implement scalable risk governance frameworks that engage with customers throughout their loan lifecycle - from acquisition to customer management - enabling lending operations to run efficiently at scale within a defined risk appetite.
• Create and own a lending portfolio governance framework, including data models and reports, leveraging SQL, Python, Excel, and dashboarding tools
• Collaborate with cross-functional teams to identify potential risks and propose solutions, maintaining risk appetite and ensuring adherence to regulatory requirements
• You'll own risk dashboards and reports that track the lending portfolio's health.
• You'll also engage in stakeholder management through regular reviews-within Risk and with broader CFTs.

Employment details

• Location: Bengaluru [Karnataka] [India]

About the employer

• Our team is at the heart of Amazon's mission to make credit accessible, responsible, and seamless for customers across the globe.
• About the team As part of the Risk team, we own all activities that directly impact the P&L risk line items.

Additional role details

• Are you passionate about empowering millions of customers to access credit responsibly and with confidence?
• Do you thrive on solving complex risk challenges that directly shape lending decisions at scale?
• Do you believe that data is the new oil - and love turning it into insights that fuel smarter credit decisions?
• Come join us at Amazon 1P Lending - Risk!
• We design and manage the credit risk frameworks that power lending products loved by millions - from Pay Later to EMI solutions and beyond.
• We are part of Amazon's broader Amazon Pay organization, dedicated to building innovative financial products that are trusted, inclusive, and designed to put customers first - anytime, anywhere.
• This is a high-visibility role that requires strong operational rigor, cross-functional collaboration with Product, Collections, Finance, Tech, Compliance, and Legal teams, and the ability to communicate clearly to a variety of internal and external audiences.
• Key job responsibilities
• Own end-to-end delivery of Risk Initiatives aligned to broader Team objectives.
• Design, maintain, and update risk mitigation policies and controls across all customer interactions - onboarding journey, credit and fraud underwriting, and customer lifecycle management
• Communicate complex operational findings and strategic recommendations clearly to a variety of internal and external audiences, including senior leadership A day in the life On any given day, you'll use SQL, Python, and Excel to build and validate credit strategies, oversee their implementation, and monitor performance.
• A significant part of your day involves working cross-functionally as the risk representative-providing inputs from product build through deployment to post-go-live management, co-owning risk KPIs.
• No two days look the same, but every day demands a balance of analytical rigor, strategic thinking, and effective communication.
• We design and maintain credit underwriting policies for loan-seeking customers, and manage the entire credit lifecycle-from disbursal through collections.
• We partner with data science teams to embed ML-driven risk models into our policy frameworks, and collaborate closely with product management to shape the lending product while mitigating process and fraud risks.