Director, Portfolio Credit Strategy

T-Mobile • Frisco, WA

1d

About The Position

T-Mobile is in pursuit of exceptional talent to join our executive team. We’re committed to excellence and innovation, and we are on the lookout for a leader who can steer our company towards new heights of success. In this pivotal role, you will be responsible for driving strategic initiatives and leading a talented team of professionals. The ideal candidate will possess a proven track record of success, demonstrating a keen ability to navigate complex challenges and capitalize on emerging opportunities. As a key member of our executive team, you will play a crucial role in shaping and executing our organizational strategy and contributing to our continued growth and market leadership. Join us in our commitment to driving innovation, inspiring collaboration, fostering a positive company culture, and achieving unparalleled success. Job Overview This role leads a team of credit risk professionals and statisticians in the design, execution, and optimization of advanced analytical frameworks to assess, quantify, and mitigate T-Mobile’s credit risk exposure. The team manages credit losses across the T-Mobile Financial LLC loan portfolio and service receivable balances for T-Mobile USA, Inc. The leader in this role brings deep expertise in portfolio risk management, including loss forecasting, credit policy design, risk segmentation, and non-performing loan/receivables mitigation strategies. This individual demonstrates comprehensive command of the end-to-end credit lifecycle, with proven experience spanning credit prospecting, underwriting strategy, portfolio monitoring, and collections optimization. Un-carrier® Responsibilities Lead, develop, and mentor a high-performing team of credit risk professionals and statisticians by setting clear performance expectations, strengthening technical and strategic capabilities, and fostering a culture of accountability and continuous improvement. Direct the design, validation, implementation, and performance monitoring of credit risk strategies and statistical models to reduce bad debt, optimize profitability, and deliver against enterprise financial objectives. Ensure strong governance and disciplined execution of credit strategies and financial decisions, maintaining model integrity, regulatory compliance, and alignment with enterprise standards. Translate complex data analysis into clear, actionable insights for senior leaders, articulating financial impact, risk trade-offs, and strategic implications. Improve portfolio asset quality by reinforcing sound credit practices, strengthening risk controls, and maintaining full regulatory and policy compliance. Develop and oversee key risk indicators (KRIs), incorporating macroeconomic and portfolio trends to proactively identify emerging risks and performance shifts. Review and challenge analytical methodologies, enhancing model assumptions and advancing alternative approaches to improve predictive accuracy and strategic effectiveness. Advise senior management on credit risk model development, third-party model selection, monitoring frameworks, and portfolio risk mitigation strategies. Partner with internal stakeholders and external agents to align credit risk strategies, strengthen data and modeling capabilities, and ensure coordinated, compliant portfolio risk management execution.

Requirements

• Bachelor’s degree in business management, accounting, engineering or related field.
• More than 10 years’ experience required, leading credit risk management in a mid- to large-sized consumer lending or credit servicing business with a track record of delivering superior financial performance; combined experience in financial services and retail with a credit extension program is preferred.
• At least 18 years of age
• Legally authorized to work in the United States
• Travel Required (Yes/No): Yes
• DOT Regulated Position (Yes/No): No
• Safety Sensitive Position (Yes/No): No

Nice To Haves

• 4-7 years’ experience preferred with retail industry receivables management and factoring and/or securitization is a plus.

Responsibilities

• Lead, develop, and mentor a high-performing team of credit risk professionals and statisticians by setting clear performance expectations, strengthening technical and strategic capabilities, and fostering a culture of accountability and continuous improvement.
• Direct the design, validation, implementation, and performance monitoring of credit risk strategies and statistical models to reduce bad debt, optimize profitability, and deliver against enterprise financial objectives.
• Ensure strong governance and disciplined execution of credit strategies and financial decisions, maintaining model integrity, regulatory compliance, and alignment with enterprise standards.
• Translate complex data analysis into clear, actionable insights for senior leaders, articulating financial impact, risk trade-offs, and strategic implications.
• Improve portfolio asset quality by reinforcing sound credit practices, strengthening risk controls, and maintaining full regulatory and policy compliance.
• Develop and oversee key risk indicators (KRIs), incorporating macroeconomic and portfolio trends to proactively identify emerging risks and performance shifts.
• Review and challenge analytical methodologies, enhancing model assumptions and advancing alternative approaches to improve predictive accuracy and strategic effectiveness.
• Advise senior management on credit risk model development, third-party model selection, monitoring frameworks, and portfolio risk mitigation strategies.
• Partner with internal stakeholders and external agents to align credit risk strategies, strengthen data and modeling capabilities, and ensure coordinated, compliant portfolio risk management execution.

Benefits

• 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
• voluntary long-term care insurance
• mobile service & home internet discounts
• pet insurance
• access to commuter and transit programs

What This Job Offers

• Job Type: Full-time
• Career Level: Director