Finance Analyst - 1P Lending, IES Payments - 1P Lending at Amazon

Description

Supports the 1P Lending program by owning end-to-end Profit & Loss (P&L) setup, driving Financial Planning & Analysis (FP&A) cycles including forecasting, budgeting, and variance analysis, and building unit economics frameworks to evaluate lending profitability at a per-loan and per-customer level. Partners cross-functionally with Business, Risk, Capital, and Accounting teams to deliver financial insights, establish governance mechanisms, and enable data-driven decision-making for program scaling across markets.

Key job responsibilities

P&L Ownership: Own end-to-end P&L setup, cost allocation, and revenue recognition for the 1P Lending program.

FP&A Planning: Drive OP1/OP2, quarterly forecasts, and monthly variance analysis aligned to business goals.

Unit Economics: Build per-loan and per-cohort profitability frameworks to evaluate contribution margins and cost-to-serve.

SQL and Data Analysis: Write and optimize SQL queries to extract and analyze large-scale lending datasets for reporting and deep dives.

Data-Backed Insights: Deliver actionable insights on origination volumes, delinquency, Net Interest Margin, and Expected Credit Loss to leadership.

Governance and Reviews: Support MFR, QFR, WBR, and Page-0 reporting, ensuring consistent P0 metric tracking and variance callouts.

Cross-Functional Partnership: Partner with Risk, Capital Markets, Accounting, Tax, and Treasury on financial assumptions and reconciliation.

Financial Modeling: Develop models for new product launches, pricing changes, and market expansion scenarios.

Process Automation: Automate reporting and planning workflows by improving SQL pipelines and system integrations (e.g., Hyperion, Cognos).

Stakeholder Communication: Translate complex financial data into crisp, executive-ready narratives for leadership reviews.

About the team

IES Payments Team

Basic Qualifications

• 1+ years of finance experience

• 2+ years of Accounts Receivable or Account Payable experience

• 2+ years of applying key financial performance indicators (KPIs) to analyses experience

• Knowledge of standard software including Excel, Access, Oracle, Essbase, SQL and VBA skills

• Experience using data to influence business decisions

• Experience in corporate finance including budgeting/planning, forecasting and reporting

Preferred Qualifications

• 2+ years of participating in continuous improvement projects in your team to scale and improve controllership with measurable results experience

• Experience in TM1, Data Warehouse and SQL

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