Analyst, Credit Risk Management - Strategy

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!

As an Analyst within the Credit Risk Management team, you will wear multiple hats. You will use your strong blend of analytical skills, project management, presentation skills, and ability to develop strong and effective working relationships.
You will work independently, and/or as part of a team of analysts, to identify new credit segmentation opportunities using statistical methods leading to enhancements to our credit decision process and policies, collections strategies, and fraud strategies. You will partner within members of the Credit Risk Management team and other functional teams in T-Mobile for the deployment, analysis and tracking of new credit strategies to manage risk.
You manipulate large amounts of data, extract key insights from the data, and then clearly and concisely communicate actionable recommendations based upon your insights. In many cases, you will participate in projects at various stages from idea or hypothesis generation to development and/or implementation. You will be expected to contribute actively with creative and credit-focused ideas, to demonstrate problem solving skills and ownership aptitude. Unstoppable, Together!

Responsibilities:

• Utilize statistical segmentation techniques, for example decision trees, regression models, and K-means clustering, to identify new opportunities.
• Extract, load and transform data from several sources using SQL, Excel VBA, programming languages like R, Python, etc. for statistical, reporting and ad-hoc analysis.
• Perform qualitative and quantitative analysis of credit polices to meet given objectives.
• Develop 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.
• Work with credit bureau and alternative credit data.
• Deliver work output with full awareness and adherence to project timelines or agreed upon deadlines.

Qualifications:

Education, Work Experience and Skills:

Required:

• Bachelor's Degree plus 2 years of related work experience OR combination of education and experience deemed equivalent.
• Intermediate or higher proficiency in SAS, SQL, R, Python, or other statistical/analytical programming languages
• Familiar with data visualizations tools including Tableau, Power BI, SQL, Excel/VBA, Python including pandas, matplotlib, etc.
• Superior computer skills in Excel, Word, PowerPoint required
• Superior communication (spoken and written), organization and presentation skills
• Superior time management skills and awareness of project management methods

Preferred:

• Graduate degree in a quantitative discipline 3+ years of quantitative analytic modeling experience, credit risk management or comparable process management experience
• Acceptable areas of study include Finance, Economics, Mathematics, Industrial Engineering, Statistics or related degree
• Prior consumer risk management experience
• Wireless / Telecom experience

#LI-Corporate

• At least 18 years of age
• Legally authorized to work in the United States

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

Total Target Cash Earnings Opportunity: $83,710 - $151,030

National Base Pay Range: $76,100 - $137,300

The Total Target Cash Earnings Opportunity represents the expected total cash compensation for this role at target performance, combining base salary and annual incentive opportunity. Actual earnings may be higher or lower depending on individual performance and overall company results. 

The base pay range reflects the compensation component of this opportunity. The candidate’s actual pay will be based on various factors, such as work location, qualifications, and experience, so the actual starting pay will vary within this range. To find the pay range for this role based on hiring location, https://paylookup.t-mobile.com/paylookup?reqID=REQ374312¶dox=1

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. Corporate employees are eligible for a year-end bonus based on individual and/or company 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. The incentive component included in the Total Target Cash Earnings Opportunity reflects target performance. Actual earnings included in the Total Target Cash Earnings Opportunity reflect target performance; actual payouts may vary. 
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, genetic information, 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. Talent comes in all forms at the Un-carrier. If you are an individual with a disability and need reasonable accommodation at any point in the application or interview process, please let us know by emailing [email protected] or calling 1-844-873-9500. Please note, this contact channel is not a means to apply for or inquire about a position and we are unable to respond to non-accommodation related requests.