Sr. Risk Manager, Credit and Lending

The Amazon India Credit and Lending team is looking for an experienced Sr. Risk Manager to support end-to-end credit lifecycle across its credit and lending programs. The Credit and Lending team's mission is to bridge the credit gap in India and enable seamless credit for everyone at lowest cost, thus empowering more Indians to fulfill their aspirational consumption needs. We strive to provide access to credit millions of customers by developing custom products and services which serve their diverse needs. The team also looks at solving for credit needs of SMEs in the Amazon ecosystem.

The Sr. Risk Manager will be responsible for setting risk policy, providing oversight of the credit issuance process, continual portfolio risk assessment and monitoring and ensuring compliance. The successful candidate will be responsible for developing credit strategies to profitably grow Lending portfolio with a balance of risk controls, track losses and identify portfolio trends, evaluate and enhance risk policies, and capabilities for onboarding, underwriting and exposure management. The ideal candidate should be highly analytical, resourceful, customer-focused, team oriented and possess strong credit management skills. The successful candidate will have a strong desire in innovating processes and exceed expectations in a dynamic, fast-paced environment

Key job responsibilities
We are looking for a data-driven Sr. Risk Manager to support the growth and scale of our Credit and Lending businesses. Key responsibilities -
a) Policy Development: Create underwriting and risk management framework and models across different credit products – BNPL, Personal Loans and Small Business Loans. Work with data sciences and modelling professionals to build effective credit underwriting and monitoring models supporting business objectives balanced with effective risk management. Leverage multiple data sources to understand customer behavior and risk to influence policy decisions.
b) Risk Assessment & Monitoring: Continually assess portfolio credit risk with in-depth customer cohort analysis. Build mechanisms enabling effective portfolio performance tracking, early warning signals and sharing of insights with lender partners and recommendations to leadership on corrective actions.
c) Monitoring macro-economic risks and recommending necessary course of action
d) Regulatory Compliance: Stay up-to-date with the latest regulatory guidelines and statutory framework particularly with respect to digital lending. Ensure adherence to regulatory requirements.
e) Develop a comprehensive Risk Appetite Framework across Credit risk, Liquidity risk, Market risk, Compliance risk, and Operational Risk and perform periodic monitoring and reporting.
f) Collaborate closely with various teams including business, data sciences, technology, finance, operations, collections and compliance

About the team
Credit and Lending team at Amazon Payments focuses on solving credit and affordability needs of the customers. We focus on building the most rewarding and most affordable payment instruments for customers while ensuring reliable and trusted payment experience.
Credit and Lending business at Amazon Pay serves 1.4Cr+ happy customers through the Amazon Pay ICICI Credit card and Amazon Pay Later programs. The Amazon Pay ICICI Credit card is the largest co-brand credit card program in India.

Basic Qualifications:
- 8+ years of compliance, audit or risk management experience
- Master's degree or equivalent
- a. Strong quantitative and qualitative problem-solving skills, to root cause issues and propose solutions
- b. Experience in credit analysis and risk management for financial services, banks, or fintechs
- c. Proven ability to influence stakeholders with different priorities and different functions including but not limited to data science, technology, legal and finance
- d. Ability to communicate across all levels of management. Excellent verbal and written skills in English
- e. Hands-on experience of working with data tools/languages such as SQL, Python or SAS
- f. Bachelor's degree in Business, Engineering, Statistics, Computer Science, Mathematics, Economics, Data Science, or related field or equivalent experience

Preferred Qualifications:
- a. Master's degree in Business, Engineering, Statistics, Computer Science, Mathematics, Economics, Data Science, or related field or equivalent experience
- b. Experience in financial services and risk management - including retail/MSME banking, NBFC or fintech experience.
- c. Awareness of the regulatory aspects related to retail credit and ability to communicate effectively with regulators.
- d. Ability to handle complex data and analytics and comprehend the risks across diverse customer segments.

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