Analyst, Credit Risk Management - Strategy
About The Position
The Analyst on T-Mobile’s Credit Risk Management team uses analytical, project management, presentation, and relationship-building skills to identify credit segmentation opportunities and improve credit decision processes, policies, collections strategies, and fraud strategies. The analyst works independently and with other analysts and functional teams to deploy, analyze, and track credit strategies. The role involves manipulating large datasets, deriving insights, and communicating actionable recommendations. The analyst may contribute to projects from hypothesis generation through development and implementation, bringing creative, credit-focused ideas and demonstrating problem-solving and ownership.
Requirements
- Bachelor’s degree plus 2 years of related work experience, or an equivalent combination of education and experience.
- Intermediate or higher proficiency in SAS, SQL, R, Python, or other statistical or analytical programming languages.
- Familiarity with data visualization tools, including Tableau, Power BI, SQL, Excel/VBA, and Python libraries such as pandas and matplotlib.
- Strong computer skills in Excel, Word, and PowerPoint.
- Strong spoken and written communication, organization, and presentation skills.
- Strong time-management skills and awareness of project management methods.
- At least 18 years of age.
- Legally authorized to work in the United States.
Nice To Haves
- Graduate degree in a quantitative discipline.
- 3 or more years of quantitative analytic modeling experience, credit risk management experience, or comparable process management experience.
- Degree in Finance, Economics, Mathematics, Industrial Engineering, Statistics, or a related field.
- Prior consumer risk management experience.
- Wireless or telecommunications experience.
Responsibilities
- Use statistical segmentation techniques, such as decision trees, regression models, and K-means clustering, to identify opportunities.
- Extract, load, and transform data from multiple sources using SQL, Excel VBA, and programming languages such as R and Python for statistical, reporting, and ad hoc analysis.
- Perform qualitative and quantitative analysis of credit policies to meet objectives.
- Develop predictive financial and analytical models using appropriate statistical methodologies, including trend and regression analysis.
- Participate in and analyze new data and statistical products from external vendors.
- Work with credit bureau and alternative credit data.
- Deliver work in accordance with project timelines and agreed deadlines.
- Partner with members of the Credit Risk Management team and other T-Mobile functional teams to deploy, analyze, and track credit strategies.
- Communicate actionable recommendations based on data insights and contribute to projects from idea generation through development and implementation.
Benefits
- Competitive base salary and compensation package.
- Annual stock grant and employee stock purchase plan.
- 401(k) and access to year-round money coaches.
- Annual bonus or periodic sales incentive or bonus eligibility for employees in regular, non-temporary roles, subject to role and eligibility.
- Medical, dental, and vision insurance.
- Flexible spending account.
- Paid time off and up to 12 paid holidays.
- Paid parental and family leave.
- Family-building benefits, backup care, enhanced family support, and childcare subsidy.
- Tuition assistance and college coaching.
- Short- and long-term disability coverage.
- Voluntary AD&D, accident, life, disability, and long-term care insurance.
- Mobile service and home internet discounts for eligible employees.
- Pet insurance for eligible employees.
- Commuter and transit programs for eligible employees.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
