Sr. Manager, Credit Risk Management

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The Sr Manager, Credit Risk Management plays a key leadership role in the design and execution of T-Mobile’s enterprise-wide strategies to mitigate fraud, credit, and payments risk. This role ensures that policies are not only grounded in solid risk principles but also operationalized through advanced decisioning technology to support real-time, data-driven outcomes. The Senior Manager requires a strong analytical foundation, understanding risk domains, technical enablement, business acumen, and the ability to work cross-functionally to solve complex challenges in a fast-paced, dynamic environment. They shall seek leveraging emerging technologies such as machine learning, and digital tools and solutions. The Sr Manager will guide a team in implementing risk strategies, optimizing payment processing costs, and delivering actionable insights that balance financial performance with customer experience. Having a deep familiarity with data (credit bureau, alternative data and customer performance data) is essential; This leader requires strong data literacy and the ability to translate insights into actionable risk management solutions. They will contribute to a culture of continuous improvement, innovation, and collaboration while supporting broader enterprise initiatives.

Key Responsibilities:

Strategic Risk Leadership

• Serve as the primary FCRM advisor for enterprise projects, providing insights on fraud, credit, and payments risks during the ideation and business case phases.
• Lead the development and positioning of risk-adjusted business strategies that align with both enterprise objectives and FCRM goals.
• Advocate for risk-conscious innovation by partnering with executive stakeholders, ensuring the early identification and mitigation of potential credit and fraud exposure.

Business Case Development & Risk Analysis

• Participate in the formulation of business cases that reflect accurate risk projections, financial impact assessments, and compliance with internal FCRM frameworks.
• Support enterprise planning processes and prioritization, sensitivity analysis, and cost-benefit evaluations with a focus on fraud, credit and payments  KPIs.
• Ensure clear articulation of FCRM’s value and influence on project ROI, customer experience, and operational integrity.

Innovation & Technology Enablement

• Maintain deep awareness of emerging technologies and data trends in fraud detection, credit decisioning, and payments platforms.
• Partner with internal tech and data teams to evaluate and recommend innovative risk management solutions.
• Influence technology roadmaps to ensure alignment with FCRM strategy, scalability, and compliance.

Cross-Functional Collaboration & Governance

• Partner with Fraud & Credit Risk Enterprise Project teams to establish unified goals, ensure resource efficiency, and drive execution against shared milestones.
• Act as a liaison between FCRM, Enterprise PMO, and cross-functional project teams to ensure alignment on priorities, timelines, and deliverables.
• Champion risk-aware project governance practices and contribute to the creation of repeatable frameworks for risk integration in enterprise initiatives.

Education and Work Experience:

• Bachelor's Degree in Business, Accounting, or other related fields such as Statistics, Mathematics, Credit, Fraud, Collections, or Payments. or related degree (Required)
• 7-10 years - Experience in credit, fraud risk management and payments strategy in a mid- to large-sized lending or service business with a track record of delivering superior results and financial performance; combined experience in financial services and retail with a credit extension program (Preferred)
• 7-10 years - Professional experience in at least two lifecycle managements functions (acquisitions, portfolio, collections, recovery, or other); or two fraud functions (identity, verification, takeover, network abuse, or other); or payments processing and optimization; or telecommunications (Required)
• 5-7 years experience - Indirect or direct people and team leadership experience, with excellent hiring, team building, conflict resolution, and employee coaching/mentoring skills. (Required)
• 5+ years experience Demonstrated the ability to develop short- and long-term strategic plans. Proven ability to partner with other business areas to drive successful outcomes. A customer-first focus on decision making.(Required)
• 5+ years experience utilizing advance analytic and decision science techniques including AI, Machine Learning, optimization or predictive algorithms (Required).
• Experience with retail industry receivables management, loan loss forecasting and factoring/securitization (Preferred)

Knowledge, Skills and Abilities:

• Leadership - Driving results through vision and execution.  Demonstrated success in leading teams or initiatives with a broad range of experience driving team culture improvements and establishing a collaborative and respectful community. (Required)
• Quantitative Analytics / Problem Solving  - The capacity to synthesize complex data into deep and actionable insights with recommendations to drive results.  Proven results driving innovation and adoption of new decision science and technologies (Required)
• Strategic Thinking - The ability to anticipate short- and long-term challenges and addressing these through planning and leadership to ensure team successfully meets team and enterprise goals.  Maintain strategic thinking focus across frequent changes in enterprise and leadership direction and priorities. (Required)
• Communication - Ability to articulate and summarize the complex interactions of credit and business results to senior executives internally and externally. (Required)
• Customer Experience Management  - The ability to understand the customer’s experience and a relentless drive to improve that experience through collaboration, business acumen, and risk management mentality. (Required)
• Collaboration - The capacity to bring diverse teams together to find common threads and build consensus to drive appropriate outcomes. (Required)

• 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: $142,900 - $257,800

Corporate Bonus Target: 20%

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=REQ324274¶dox=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.

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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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