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

Responsibilities

• Our team is at the heart of Amazon's mission to make credit accessible, responsible, and seamless for customers across the globe.
• 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.
• 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.
• 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.
• 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.
• 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.
• Communicate complex operational findings and strategic recommendations clearly to a variety of internal and external audiences, including senior leadership.
• 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.

Qualifications

• 4+ years of data scientist or similar role involving data extraction, analysis, statistical modeling and communication experience.
• Experience in advanced data analysis using Excel, Python, or SQL.
• 2+ years of experience defining and implementing process and policy improvement initiatives that impact credit & fraud risk, using data and metrics.
• 2+ years of risk management experience, specifically in unsecured short-term lending such as BNPL, credit cards, consumer durable financing, etc. within the consumer lending category.
• 1+ year of experience driving end-to-end consumer lending portfolio management and stakeholder management

Amazon India

Amazon.com, Inc. was founded by Jeff Bezos in 1994 as an online bookshop and is today one of the world's largest companies, spanning online retail, cloud computing through Amazon Web Services (AWS), digital media, devices and advertising. It is headquartered in Seattle and listed on the Nasdaq stock exchange. Amazon launched its Indian marketplace, Amazon.in, in 2013, and its businesses in India now include the marketplace, Amazon Pay, Amazon Business, Prime Video and AWS, which runs two Indian cloud regions — Mumbai (2016) and Hyderabad (2022). Its Hyderabad campus, opened in 2019, was at the time Amazon's largest campus building anywhere in the world.

Beyond serving Indian customers, Amazon's India offices handle a significant share of the company's global finance work: finance operations (accounts payable, receivables and payments), controllership and accounting, worldwide direct and indirect tax reporting, financial planning and business finance for its retail, AWS and payments businesses, and audit, risk and compliance programmes. These roles suit CA, CMA, CPA, ACCA and MBA (Finance) profiles as well as B.Com and M.Com graduates.

• Industry: E-commerce, cloud computing (AWS), digital payments and logistics
• Headquarters: Seattle, Washington, USA (parent: Amazon.com, Inc.); India operations based in Bengaluru
• In India: Corporate offices in Bengaluru, Hyderabad, Chennai, Gurugram, Mumbai and Pune, with fulfilment and delivery centres across India