Sr Analyst, Payments

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Responsible for all credit related functions as well as escalated collection recommendations for the portfolio of Retail Partner accounts. Primary responsibilities include the periodic and timely credit review and analysis on all assigned accounts. Ensures that credit risk ratings on accounts are appropriate and that actions recommended are in the best interest of T-Mobile. Responsible for all credit limit actions on their portfolio of accounts and will regularly make recommendations to Sales and Management regarding the appropriate and timely actions to mitigate risk. Routinely interacts with Sales, Legal, Contract Administration, Commissions, and Accounts Payable. Adept at leading meetings with business partners and Sales, ensuring that all issues and concerns are identified and resolved in an amicable and professional manner. Expected to mentor other positions within the department in all aspects of credit and collections. Functions as a leader within the department and is expected to display leadership skills in all interactions.

Reporting to the Sr Manager/Manager, Payments, the Sr Analyst, Payments will work within the Order to Cash (OTC) team to initially assist in implementing new areas within the Finance, Procurement & Supply Chain (FP&SC) Magenta Services group to develop continuous process improvements, procedure documentation, and reports to achieve industry standard methodologies.
This position will be responsible for:
• Providing customers prompt and accurate resolution for customer payment transactional issues such as refunds, chargebacks, or missing payments, while protecting the financial integrity of every transaction.
• Providing daily operational support and oversight and support of the end-to-end payments process including collaboration on processes performed by offshore business partners.
• Finding opportunities to improve day to day operations, socialize business case amongst key stakeholders, and work with Analysts, third party relationships, and / or offshore business partners to implement.
• Identifying and proposing enhancements to process controls, proactively and monitor for issues and collaborate with Analysts and Manager to reach resolution.
• Collaborating with our offshore business partners on payment exception activities, aid in resolution for escalations, and consult on complex issues.
• Working with key internal stakeholders to address escalated issues and implement standard methodologies to support operational efficiency and effectiveness.

This role is an elevated analyst role within the team, engaging with executive leadership on complex issues and escalation to strategize resolution.
This position is important in the performance and enhancement of process controls, monitors issues that arise, and works with their manager to reach resolution. This position will also be involved in testing for projects, system enhancements, and company initiatives.

Job Responsibilities:

• Demonstrates SME leadership providing analyst and offshore team direction, and driving resolution of highly complex assignments, tasks, and escalations, partnering internally and externally to deliver accurately and timely resolution.
• Develop strategy to improve the operational systems, processes, and policies in support of the department’s goals and KPIs.
• Help develop and implement payment policies, procedures and strategies in support of current and new business initiatives.
• Through analysis, identify anomalies, trends or other concerns and raise upwards supporting the insights driven culture.
• Drive root cause to technical / system issues upstream or at external service providers.
• Drive the creation of business requirements and testing for projects, system enhancements, and company initiatives.
• Develop & implement standard methodologies to ensure successful processing of payments and exceptions.
• Consult with payment processors, banks, and credit card companies to resolve various ad hoc operational challenges while looking for ways to optimize performance.
• Mentoring of other team members.
• Also responsible for other Duties/Projects as assigned by business management as needed.

Education:

Bachelor's Degree: Finance or Accounting (Preferred)

Work Experience:

• 5+ years of experience optimizing the performance of payments portfolio (ACH, Credit/debit card, Check, Lockbox)
• Have a detailed understanding of the payment’s ecosystem, credit/debit card, ACH, Lockbox.

Knowledge, Skills and Abilities:

• Cross Functional Relationships: Experience partnering with cross functional business partners/stakeholders and third-party payment/industry partners. (Required) 
• Microsoft Office: SME in Microsoft Suite (PowerPoint, Excel, Word, Visio, Outlook) (Required)
• Data Analysis: Strong analytical skills with the ability to identify patterns, trends, and anomalies in payment data sets into clear and actionable insights for process improvement or risk mitigation strategies. (Required)
• Data Analysis: Proficient in using data analysis tools like Microsoft Excel (pivot tables, formulas) or business intelligence platforms (Power BI, Tableau) to manipulate and analyze payment data. (Required)
• Reporting: Skilled in creating reports that effectively communicate key payment metrics and trends. (Required)
• Reporting: Experience with report scheduling and distribution to ensure timely delivery of information to stakeholders. (Required)
• Organization: Strong organizational and time management skills; effectively balance multiple priorities and meet deadlines (Required)
• Communication: Outstanding oral and written communication skills including the ability to flex communication style and to communicate effectively at all organizational levels (Required)
• Business Process: Strong experience in documenting processes, controls, risks, and business process modeling. (Required)
• Business Acumen: Demonstrated technical and business insight with genuine interest and demonstrated success in applying creative solutions to address challenges and opportunities within the payments space. (Required)

Licenses and Certifications:

• Six Sigma - Master Black Belt Proficient in set of tools and techniques used by companies to improve production processes. (Preferred)

#LI-Hybrid

#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

Base Pay Range: $58,900 - $106,300

Corporate Bonus Target: 10%

The pay range above is the general base pay range for a successful candidate in the role. The successful 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.

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. To find the pay range for this role based on hiring location, https://paylookup.t-mobile.com/paylookup?reqID=REQ269022&paradox=1

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, 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.
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