Analyst, Credit Risk Management - Strategy

T-Mobile USA; Frisco (TX); Sur place; USD 76 000 - 151 000; Plein temps

Avantages offerts par ce poste

Stock grant

Employee stock purchase plan

401(k)

Money coaching

Résumé du poste

T-Mobile USA is seeking an Analyst in Credit Risk Management in Frisco, TX. The role involves identifying new credit segmentation opportunities using statistical methods and building predictive models, while collaborating across teams to deploy and track credit strategies.

You'll manipulate large datasets with SQL, Python, and Excel VBA, communicating insights clearly and meeting project timelines. A strong foundation in analytics and presentation skills is essential.

Qualifications

• Bachelor's degree plus 2 years of related work experience or equivalent.
• Proficiency in SAS, SQL, R, Python or similar tools.
• Experience with data visualization tools (Tableau, Power BI).
• Strong Excel/Office suite skills and communication abilities.

Responsabilités

• Identify credit segmentation opportunities using statistical methods.
• Load/transform data from multiple sources with SQL/Excel VBA, R or Python.
• Analyze credit policies and develop predictive models.
• Partner with Credit Risk Management and other teams on deployments.
• Deliver insights with clear, actionable recommendations while meeting deadlines.

Connaissances

SAS

SQL

R

Python

Tableau

Power BI

Excel VBA

Python (pandas)

Excel

Word

PowerPoint

Communication

Organization

Presentation

Formation

Bachelor's degree

Graduate degree in quantitative discipline

Description du poste

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=REQ374312dox=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. Corporate employees ... The incentive component included ... Actua