Principal Product Manager Tech - Credit and Fraud Risk, Amazon B2B Payments and Lending

Are you passionate about building intelligent financial systems that protect and

empower millions of businesses? Do you thrive at the intersection of AI and

complex risk management? Come join us as we redefine credit and fraud

decisioning through Generative AI and agentic automation.

The Amazon Business Payments & Lending (ABPL) team provides invoicing, working

capital, and payment acceptance solutions to Amazon Business customers, sellers,

and other small business customers across Amazon. We are part of the global

Amazon Payments organization, which aims to delight our customers by building

payment experiences and financial services that are trusted, valued, and easy to

use from anywhere in any way.

Within ABPL, the Credit and Fraud Risk Management team drives credit and fraud

decisions for our Business Credit account product with the objective of

maximizing credit access, minimizing losses, reducing friction, and maintaining

a healthy balance sheet. We are entering a transformative era where Generative

AI, large language models, and autonomous AI agents are fundamentally reshaping

how we manage risk.

We are seeking a Principal Product Manager - to own the strategic vision and

multi-year roadmap for our next-generation credit and fraud risk platform. This

is a high-judgment, high-ambiguity role where you will define the problem space,

set the vision, and architect AI-native product solutions that don't yet exist

in the industry. You will be at the forefront of driving innovation through

Generative AI and AI agents — identifying where autonomous decision-making,

intelligent automation, and foundation models can create step-function

improvements in efficiency, accuracy, speed, and customer experience.

You will partner closely with Science, Engineering, Portfolio Management,

Operations, and business teams across multiple organizations to deliver

transformational credit and fraud capabilities. This role requires deep

technical judgment, the ability to influence senior leaders (Directors, VPs)

across Amazon Payments, Amazon Business, and Seller Partner Services, and the

vision to define entirely new product categories at the intersection of AI and

financial risk.

Key job responsibilities

The primary responsibilities of this role include, but are not limited to:

• Own the 3-5 year strategic product vision and roadmap for credit and fraud

risk management, defining what to build, why it matters, and how to measure

success across a multi-billion dollar lending portfolio

• Drive innovation through Generative AI and AI agents — identify and deliver

use cases where foundation models, autonomous agents, and intelligent automation

can transform credit decisioning, fraud detection, and risk operations

• Architect AI-native product solutions for real-time credit underwriting,

dynamic line management, fraud pattern recognition, and automated risk

remediation

• Set the technical product strategy for how AI capabilities (GenAI, ML models,

agents) integrate into credit and fraud systems — evaluating which AI approaches

will become competitive necessities and shaping platform architecture

accordingly

• Drive clarity in high-ambiguity environments where the problem, opportunity,

and strategy are undefined — distill diverse inputs from regulators, risk teams,

customers, and stakeholders into a coherent product vision

• Influence strategic direction across multiple VP-level organizations including

Payments, Amazon Business, Technology, and Seller Partner Services through

written narratives, PR/FAQs, and executive forums

• Partner with Science and Engineering leaders to evaluate emerging AI

architectures, shape technical trade-offs, and ensure platform decisions today

do not constrain strategic options tomorrow

• Establish metrics frameworks and experimentation strategies that measure the

effectiveness of AI-driven risk decisions, including novel approaches to model

explainability and fairness

• Actively recruit, mentor, and develop PM talent; contribute to the PM

community through coaching, promotion assessments, and best-practice evangelism

Basic

Qualifications

• - 10+ years of technical product or program management
• experience
• - Bachelor's degree or above in computer science, engineering, mathematics or
• equivalent, or Bachelor's degree or above in business administration, finance,
• economics, computer science, data science, engineering, or other related field
• - Experience delivering large, cross-functional, customer facing products
• - Experience building cross-functional partnerships and influencing stakeholders
• across the organization to act without having a direct reporting relationship
• - Experience building credit underwriting, fraud detection, or financial risk
• management products in fintech or financial services
• - Hands-on experience defining product strategy for Generative AI, LLM-powered
• applications, or autonomous AI agent systems
• - Experience owning and driving multi-year product strategy and vision across
• multiple teams and organizations, with demonstrated P&L impact
• - Deep technical judgment — ability to evaluate complex engineering proposals,
• weigh technology alternatives, shape architecture decisions, and foresee
• long-term consequences of technical choices
• - Experience with AI/ML product development — understanding of how machine
• learning models, large language models, and AI agents are designed, trained,
• deployed, and measured in production systems
• - Strong executive communication skills — experience driving strategic
• narratives (PR/FAQs, OP1/OP2, investment cases) and presenting to
• Director/VP-level leadership
• - Experience making high-stakes decisions with incomplete data, applying
• sophisticated judgment to balance customer value, business risk, and technical
• feasibility
• - Track record of recruiting, mentoring, and developing product management
• talent

Preferred Qualifications

• - Experience working directly with Engineers on
• product enhancements
• - Experience in project management methodologies, business analysis, or process
• improvement
• - Master's degree or equivalent in a quantitative field such as statistics,
• mathematics, data science, business analytics, economics, finance, engineering,
• or computer science, or Associate's degree or above
• - Deep understanding of credit risk modeling, fraud analytics, and regulatory
• frameworks (KYC/AML, fair lending, data privacy)
• - Experience working with diverse and international B2B customer segments across
• multiple geographies
• - Track record of shaping how products are architected for AI use cases, with
• the judgment to evaluate which AI capabilities will become competitive
• necessities versus passing trends
• - Experience with real-time decisioning systems, low-latency ML inference, and
• high-throughput transaction processing platforms
• - Extreme curiosity and appetite for learning — passion for staying at the
• frontier of AI/ML innovation and applying it to solve customer problems in novel
• ways
• Amazon is an equal opportunity employer and does not discriminate on the basis
• of protected veteran status, disability, or other legally protected status.
• Our inclusive culture empowers Amazonians to deliver the best results for our
• customers. If you have a disability and need a workplace accommodation or
• adjustment during the application and hiring process, including support for the
• interview or onboarding process, please visit
• https://amazon.jobs/content/en/how-we-hire/accommodations
• [https://amazon.jobs/content/en/how-we-hire/accommodations] for more
• information. If the country/region you’re applying in isn’t listed, please
• contact your Recruiting Partner.