Sr Analysts, Credit Risk Mgmt

At T-Mobile, we invest in YOU!  Our Total Rewards Package ensures that employees get the same big love we give our customers.  All team members receive a competitive base salary and compensation package - this is Total Rewards. Employees enjoy multiple wealth-building opportunities through our annual stock grant, employee stock purchase plan, 401(k), and access to free, year-round money coaches. That’s how we’re UNSTOPPABLE for our employees!

Position duties and responsibilities include, but are not limited to:

• Forecast financial trends to support strategic decision-making.

• Evaluate and optimize the effectiveness of credit policies and outcomes.

• Develop customer risk segments to improve credit management and performance.

• Utilize statistical segmentation techniques to identify new opportunities.

• Performing complex qualitative and quantitative analysis of credit polices to ensure financial goals are being attained.

• Developing predictive financial and analytical models using the appropriate statistical methodologies, including trend and regression analysis.

• Participate and perform the analysis of new data and statistical products by external vendors.

• Performing loss forecasting analysis.

• Extracting, processing and transforming data from multiple disparate sources.

• Analyzing credit bureau data and alternative credit data.

Minimum requirements:

Experience and education requirements:

PRIMARY REQUIREMENTS: Bachelor’s degree in Computer Science, Computer Programming, Computer Engineering, Business Administration, or related, and 5 years of relevant work experience in any occupation in which the required experience is gained.

ALTERNATIVE REQUIREMENTS: Master’s degree in Computer Science, Computer Programming, Computer Engineering, Business Administration, or related, and 3 years of experience in any occupation in which the required experience is gained.

Skills requirements: Requires experience in each of the following:

1.    SQL, Excel VBA or analytical programming language R to manipulate and analyze large-scale datasets, derive critical insights, and translate complex findings into clear, actionable recommendations tailored for Executive Leadership; 
2.    Snowflake, CV, CUW, or Teradata to extract, transform, and integrate data from multiple sources, with knowledge in managing the full Exploratory Data Analysis (EDA) lifecycle, including advanced querying, feature engineering, and building/managing data tables to ensure accuracy; 
3.    Lead data-driven initiatives from requirements gathering to analytical framework design, with proficiency in leveraging statistical methods in R or Python including decision trees, regression models, and K-means clustering to enhance customer segmentation and credit risk strategies; 
4.    Develop executive-level visualizations and performance tracking dashboards using Tableau, Power BI, SQL, Excel/VBA, and Python including pandas, matplotlib, and seaborn by performing ETL/data engineering including Extraction, Transformation, and Loading to deliver insights and monitor key metrics; 
5.    Develop financial models and forecasts: Customer Lifetime Value prediction, cohort analysis, scenario modeling, using Excel, SQL, Python including NumPy, pandas, and scikit-learn to evaluate strategies and drive growth; and 
6.    Manage credit risk and underwriting by applying knowledge of credit structures and leveraging transactional, payment, and consumer behavioral data to build predictive models and develop optimization models in Excel and Python to design and implement new credit initiatives

Additional:

• At least 18 years of age

• Legally authorized to work in the United States

• Location: Bellevue, WA

• Telecommuting permitted, but applicant must work from the worksite location at least 3-4 days per week. No additional national or international travel is anticipated.

• This position is eligible for the employee referral program.

Travel:
Travel Required (Yes/No): No
DOT Regulated:
DOT Regulated Position (Yes/No): No
Safety Sensitive Position (Yes/No): No

How to apply:

• Visit https://www.t-mobile.com/careers

• Create a candidate profile, and apply to requisition number: REQ358510.

OTHER: Work hours: 40 hours/week. Salary: $146,182 to $153,800 per year.

• The pay range above is the general base pay range for a successful candidate in the state listed. The successful candidate’s actual pay will be based on various factors, such as work location, qualifications, and experience.

• At T-Mobile, employees in regular, non-temporary roles are eligible for an annual bonus or periodic sales incentive or bonus, based on their role. Most Corporate employees are eligible for a year-end bonus based on company and/or individual performance and which is set at a percentage of the employee’s eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance, while Retail and Business Sales roles are eligible for monthly or quarterly sales incentives. And since we are ALL owners, EVERY employee at T-Mobile is eligible for an Annual Stock Grant. For information about T-Mobile’s amazing benefits, check out https://careers.t-mobile.com/culture-and-benefits .

Candidate’s pay will be based on various factors, such as work location, qualifications, and experience. At T-Mobile, employees in regular, non-temporary roles are eligible for an annual bonus or periodic sales incentive or bonus, based on their role. Most Corporate employees are eligible for a year-end bonus based on company and/or individual performance and which is set at a percentage of the employee’s eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance. 

At T-Mobile, our benefits exemplify the spirit of One Team, Together! A big part of how we care for one another is working to ensure our benefits evolve to meet the needs of our team members. Full and part-time employees have access to the same benefits when eligible. We cover all of the bases, offering medical, dental and vision insurance, a flexible spending account, 401(k), employee stock grants, employee stock purchase plan, paid time off and up to 12 paid holidays - which total about 4 weeks for new full-time employees and about 2.5 weeks for new part-time employees annually - paid parental and family leave, family building benefits, back-up care, enhanced family support, childcare subsidy, tuition assistance, college coaching, short- and long-term disability, voluntary AD&D coverage, voluntary accident coverage, voluntary life insurance, voluntary disability insurance, and voluntary long-term care insurance. We don't stop there - eligible employees can also receive mobile service & home internet discounts, pet insurance, and access to commuter and transit programs! To learn about T-Mobile’s amazing benefits, check out www.t-mobilebenefits.com.

Never stop growing!
As part of the T-Mobile team, you know the Un-carrier doesn’t have a corporate ladder–it’s more like a jungle gym of possibilities! We love helping our employees grow in their careers, because it’s that shared drive to aim high that drives our business and our culture forward. By applying for this career opportunity, you’re living our values while investing in your career growth–and we applaud it. You’re unstoppable!
T-Mobile USA, Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age, race, ethnicity, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, religious affiliation, marital status, citizenship status, veteran status, the presence of any physical or mental disability, or any other status or characteristic protected by federal, state, or local law. Discrimination, retaliation or harassment based upon any of these factors is wholly inconsistent with how we do business and will not be tolerated.
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