Transform Credit Jobs in Texas (NOW HIRING)

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!
T-Mobile is America's supercharged Un-carrier, delivering an advanced 4G LTE and transformative nationwide 5G network that will offer reliable connectivity for all. Sr Analysts, Credit Risk Management is located in Frisco, TX and will perform complex qualitative and quantitative analysis of credit policies to ensure financial goals are being attained. Telecommuting is permitted, but applicant must work from the worksite location at least 3-4 days per week. Less than 10% domestic travel to T-Mobile Headquarters is anticipated. No international travel anticipated.
Position duties and responsibilities include, but are not limited to:

• Utilize statistical segmentation techniques to identify new opportunities.

• Develop predictive financial and analytical models using appropriate statistical methodologies, including trend and regression analysis.

• Participate and perform the analysis of new data and statistical products by external vendors.

• Perform loss forecasting analysis.

• Extract, process, and transform data from multiple disparate sources.

• Analyzing credit bureau data and alternative credit data.

Minimum requirements:
Experience and education requirements:
PRIMARY REQUIREMENTS: Bachelor's degree or foreign equivalent in Finance, Economics, Mathematics, Analytics, Industrial Engineering, Statistics, or related, and 5 years of relevant work experience.
ALTERNATIVE REQUIREMENTS: Master's degree or foreign equivalent in Finance, Economics, Mathematics, Analytics, Industrial Engineering, Statistics, or related, and 3 years of relevant work experience.
Skills requirements: Requires experience in each of the following skills:
Apply SQL, Python, Excel VBA and 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.
Utilize Snowflake SQL and Python to extract, transform, and integrate data from multiple sources, with knowledge in managing the full Exploratory Data Analysis (EDA) lifecycle, including advanced querying, data cleaning, feature engineering, and data profiling to ensure data quality and analytical accuracy.
Lead data-driven initiatives from requirements gathering to analytical framework design, with proficiency in leveraging statistical methods in R and 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 and data engineering including Extraction, Transformation, and Loading to deliver insights, monitor key metrics, and evaluate the impact of risk strategies.
Manage credit risk and underwriting by applying knowledge of credit structures and leveraging transactional data, external vendor data, and internal consumer behavioral data to build predictive, classification, and optimization models using Python and Excel. Utilize Tableau and Power BI to visualize portfolio performance and support the design and implementation of new credit initiatives.
Develop financial models and forecasts: Customer Lifetime Value prediction, cohort analysis, scenario modeling, design of A/B experiments, using Excel, SQL, Python including NumPy, pandas, and scikit-learn to evaluate strategies and drive growth.

• Additional:
  
  • Location: Frisco, TX
  
  
  • Telecommuting is permitted, but applicant must work from the worksite location at least 3-4 days per week. Less than 10% domestic travel to T-Mobile Headquarters is anticipated. No international travel anticipated.
  
  
  • This position is eligible for the employee referral program.
  
  How to apply:
  
  • Visit https://www.t-mobile.com/careers
  
  
  • Create a candidate profile, and apply to requisition number: REQ360294.
  
  OTHER: Work hours: 40 hours/week. Salary $105,500 to $115,000 per year.
  
  • The pay range above is the general base pay range for a successful candidate in the state listed. The successful candidate's actual pay will be based on various factors, such as work location, qualifications, and experience.
  
  
  • 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. Most Corporate employees are eligible for a year-end bonus based on company and/or individual performance and which is set at a percentage of the employee's eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance, while Retail and Business Sales roles are eligible for monthly or quarterly sales incentives. And since we are ALL owners, EVERY employee at T-Mobile is eligible for an Annual Stock Grant. For information about T-Mobile's amazing benefits, check out
  
  https://careers.t-mobile.com/culture-and-benefits .

• • 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

Candidate's pay will be based on various factors, such as work location, qualifications, and experience. 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. Most Corporate employees are eligible for a year-end bonus based on company and/or individual performance and which is set at a percentage of the employee's eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance.
At T-Mobile, our benefits exemplify the spirit of One Team, Together! A big part of how we care for one another is working to ensure our benefits evolve to meet the needs of our team members. Full and part-time employees have access to the same benefits when eligible. We cover all of the bases, offering 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, and voluntary long-term care insurance. We don't stop there - eligible employees can also receive mobile service & home internet discounts, pet insurance, and access to commuter and transit programs! To learn about T-Mobile's amazing benefits, check out www.t-mobilebenefits.com.
Never stop growing!
As part of the T-Mobile team, you know the Un-carrier doesn't have a corporate ladder-it's more like a jungle gym of possibilities! We love helping our employees grow in their careers, because it's that shared drive to aim high that drives our business and our culture forward. By applying for this career opportunity, you're living our values while investing in your career growth-and we applaud it. You're unstoppable!
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, genetic information, 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 ApplicantAccommodation@t-mobile.com 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.