Credit Risk Managers

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Position summary
T-Mobile is America’s supercharged Un-carrier, delivering an advanced 4G LTE and transformative nationwide 5G network that will offer reliable connectivity for all. Credit Risk Managers located in Bellevue, WA will serve as an individual contributor and be responsible for innovations in credit risk strategies to support T-Mobile's "Un-carrier" mission to offer streamlined plan structures for our customers.

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

• Utilize education and experience in business, data science, and credit risk modeling to develop and maintain credit risk models and solve complex customer behavior and advanced analytical problems, working closely with our Credit Risk Management leadership, Consumer team, and T-Mobile for Business Credit Strategy and Collections Strategy teams.
• Own and be responsible for developing and maintaining credit risk models and attributes to support both consumer and T-Mobile for Business credit risk decisions throughout the customer credit lifecycle.
• Partner with other functional teams in T-Mobile for deployment, credit risk model tracking, and providing read-outs to leadership based on model performance insights and analytics.
• Manipulate large amounts of data, extract key insights from data using advanced concepts in data science, statistics, and analytics.
• Clearly and concisely communicate actionable recommendations to leadership, and serve subject matter expert in credit data, credit risk modeling, and data science/machine learning.
• Develop a deep understanding of industry, corporate, and customer drivers to leverage in optimization of all aspects of our decision strategy and business processes across the credit life cycle.
• Develop, maintain, and monitor credit attributes from both external credit bureau data as well as internal customer behavior data.
• Develop, maintain, and monitor credit risk models emphasizing both prediction accuracy and the impact to losses and profitability.
• Solve complex customer behavior problems using data science/machine learning and NLP approaches.
• Apply education and experience in quantitative analytics and credit risk model development.
• Apply education and expertise in credit bureau report data and derived credit bureau attributes.
• Apply hands-on experience in SAS and other statistical, analytical model building, and programming languages.
• Utilize proficiency in Python, R, and other machine learning software.
• Apply education and experience with credit decision systems and implementation.
• Position reports to T-Mobile headquarters at 12920 SE 38th Street, Bellevue, WA 98006, and various unanticipated worksites through the U.S. Telecommuting permitted 100% of the time. No additional national or international travel is anticipated.

Skill requirements:

• (1) Using SQL, SAS, R, Python or other statistical/analytical programming languages to manipulate data from at least 28M customers, extract key insights from the data, and clearly and concisely communicate actionable recommendations based upon insight, using Visio flowcharts, Power Point, and Tableau or Power BI dashboards;
• (2) Extracting, loading, transforming, and exploring data from multiple sources necessary for statistical, reporting, and ad-hoc analysis, using programming languages (SAS, SQL, and R) and managing data in WinSCP / Putty;
• (3) Identifying new segmentation opportunities using statistical methods (including decision trees and clustering) in SAS, R, and FICO® Analytics Workbench, leading to enhancements to decision process and policies;
• (4) Developing predictive financial and analytical models using the appropriate statistical methodologies including Statistical Regression Analysis, Machine Learning algorithms – including XGBoost - and Credit Risk Scorecards development;
• (5) Conducting credit risk decision engine software and platform solutions, including SAS, SAS Viya, R, and Analytics Workbench; and
• (6) Creating a visual story board or narratives to present technical solutions in a structured and compelling manner using Visio, Power Point, and Tableau or Power BI dashboards, allowing for deeper insights into technical solutions and the ability to present data-driven recommendations to non-technical stakeholders.

Experience and education requirements:

PRIMARY REQUIREMENTS: Bachelor’s degree in Finance, Actuarial Science, Mathematics, Statistics, or related field, or its foreign equivalent, and 5 years of relevant work experience.

ALTERNATIVE REQUIREMENTS: Master’s degree in Finance, Actuarial Science, Mathematics, Statistics, or related field, or its foreign equivalent, and 3 years of relevant work experience.

Additional:                                                

• Location:  Bellevue, WA

• This position is eligible for the employee referral program.

How to apply:

• Visit www.tmobile.jobs.

• Create a candidate profile, and apply to REQ302129.

OTHER:  Work hours: 40 hours/week. Washington Pay Range: $157,047.43 - $173,200.00 /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/.

• 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
 

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.
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.