Analyst, Credit Risk Management - Strategy
About The Position
As an Analyst on T-Mobile’s Credit Risk Management team, you will use analytical, project management, and presentation skills to identify credit segmentation opportunities and improve credit decision processes, policies, collections strategies, and fraud strategies. You will work independently and with other analysts, partnering with the Credit Risk Management team and other T-Mobile functions to deploy, analyze, and track credit strategies. The role involves working with large datasets, extracting insights, and communicating actionable recommendations. You may contribute to projects from initial idea or hypothesis generation through development and implementation, bringing creative credit-focused ideas, problem-solving skills, and ownership. You will use statistical methods and data from internal sources, credit bureaus, alternative credit providers, and external vendors. Deliverables must meet project timelines and agreed deadlines.
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 another statistical or analytical programming language.
- 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.
- Three 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 telecom 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, R, Python, or other programming languages 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 the analysis of new data and statistical products from external vendors.
- Work with credit bureau and alternative credit data.
- Meet project timelines and agreed-upon deadlines.
- Partner with Credit Risk Management and other functional teams to deploy, analyze, and track credit strategies.
- Communicate data insights and actionable recommendations clearly and concisely.
Benefits
- Competitive base salary and compensation package.
- Annual stock grant.
- Employee stock purchase plan.
- 401(k).
- Access to year-round money coaches.
- Medical insurance.
- Dental insurance.
- Vision insurance.
- Flexible spending account.
- Paid time off and up to 12 paid holidays.
- Paid parental and family leave.
- Family-building benefits.
- Back-up care and enhanced family support.
- Childcare subsidy.
- Tuition assistance and college coaching.
- Short- and long-term disability coverage.
- Voluntary AD&D, accident, life, disability, and long-term care coverage.
- Mobile service and home internet discounts for eligible employees.
- Pet insurance for eligible employees.
- Commuter and transit programs for eligible employees.
- Annual bonus or periodic sales incentive or bonus, depending on role and eligibility.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
