Sr Analysts, Credit Risk Mgmt

T-MOBILE USA, Inc.; Bellevue (WA); Hybrid; USD 146,182 - 153,800; Full time

Job summary

T-MOBILE USA, Inc. is seeking a qualified professional in Bellevue, WA to support financial decision-making and optimize credit policies. The ideal candidate will have a Bachelor’s or Master’s degree in fields such as Computer Science or Business Administration.

Responsibilities include forecasting trends, performing data analysis, and developing predictive models using tools like SQL, R, and Python. This full-time role offers a salary range between $146,182 to $153,800 per year.

Qualifications

• 5 years relevant experience with a Bachelor's degree.
• 3 years relevant experience with a Master's degree.
• Ability to work in the United States.

Responsibilities

• Forecast financial trends to support decision-making.
• Evaluate credit policies and outcomes.
• Develop customer risk segments for credit management.
• Perform complex qualitative and quantitative analysis.
• Develop predictive financial and analytical models.

Skills

SQL

Excel VBA

R programming

Snowflake

Python

Tableau

Power BI

Education

Bachelor’s degree in Computer Science, Business Administration, or related field

Master’s degree in Computer Science, Business Administration, or related field

Tools

Tableau

Power BI

Python libraries (NumPy, pandas, scikit-learn)

Job description

Responsibilities

• Forecast financial trends to support strategic decision‑making.
• Evaluate and optimize the effectiveness of credit policies and outcomes.
• Develop customer risk segments to improve credit management and performance.
• Utilize statistical segmentation techniques to identify new opportunities.
• Perform complex qualitative and quantitative analysis of credit policies to ensure financial goals are being attained.
• 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.
• Perform loss forecasting analysis.
• Extract, process and transform data from multiple disparate sources.
• Analyze credit bureau data and alternative credit data.

Qualifications

Primary Requirements: Bachelor’s degree in Computer Science, Computer Programming, Computer Engineering, Business Administration, or related field, and 5 years of relevant work experience in any occupation in which the required experience is gained.

Alternative Requirements: Master’s degree in Computer Science, Computer Programming, Computer Engineering, Business Administration, or related field, and 3 years of relevant work experience in any occupation in which the required experience is gained.

Skills

• SQL, Excel VBA or analytical programming language R to manipulate and analyze large‑scale datasets, derive critical insights, and translate complex findings into clear, actionable recommendations tailored for Executive Leadership.
• Snowflake, CV, CUW, or Teradata to extract, transform, and integrate data from multiple sources, with knowledge of the full Exploratory Data Analysis lifecycle, including advanced querying, feature engineering, and building/managing data tables to ensure accuracy.
• Lead data‑driven initiatives from requirements gathering to analytical framework design, with proficiency in leveraging statistical methods in R or Python including decision trees, regression models, and K‑means clustering to enhance customer segmentation and credit risk strategies.
• Develop executive‑level visualizations and performance tracking dashboards using Tableau, Power BI, SQL, Excel/VBA, and Python, including pandas, matplotlib, and seaborn, by performing ETL/data engineering (Extraction, Transformation, Loading) to deliver insights and monitor key metrics.
• Develop financial models and forecasts: Customer Lifetime Value prediction, cohort analysis, scenario modeling using Excel, SQL, Python, including NumPy, pandas, and scikit‑learn to evaluate strategies and drive growth.
• Manage credit risk and underwriting by applying knowledge of credit structures and leveraging transactional, payment, and consumer behavioral data to build predictive models and develop optimization models in Excel and Python to design and implement new credit initiatives.

Additional

• At least 18 years of age.
• Legally authorized to work in the United States.
• Location: Bellevue, WA.
• Telecommuting permitted, but applicant must work from the worksite location at least 3‑4 days per week. No additional national or international travel is anticipated.
• This position is eligible for the employee referral program.

Travel

Travel Required: No

DOT Regulated Position: No

Safety Sensitive Position: No

Work Hours & Salary

Work hours: 40 hours/week. Salary: $146,182 to $153,800 per year.

EEO Statement

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 [e-mail] 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.