- Mexico City, Mexico City, Mexico
- On-site
- Senior
- 7+ years
Lead risk strategy and portfolio lifecycle management for a high-growth consumer financial product within Amazon Payments.
Responsibilities
- Design and maintain end-to-end origination policy, including score cutoffs, decision trees, income verification rules, initial line assignment, and segment-level pricing, then lead periodic calibration of each component.
- Own the portfolio lifecycle strategy by defining proactive and reactive line adjustments, transactional authorization rules, and preventive treatments for early-stage delinquent accounts before they enter collections.
- Build and execute the champion/challenger testing program for origination, including test cell design, sample sizing, maturation windows, swap-in/swap-out analysis, and reject inference that feeds the modeling team.
- Monitor the full origination funnel and portfolio health through vintage analysis, roll rates, transition matrices, and 12-to-24-month loss and balance forecasts, reconciling monthly against actuals and escalating early warning signals to financial and risk committees.
- Partner with legal, regulatory, finance, and technology teams to interpret applicable laws and business policies, represent financial risk programs to senior leaders and external auditors, and align risk reduction strategies with the broader organizational framework.
Requirements
- Bachelor's degree in business administration, finance, economics, computer science, data science, engineering, or other related field