Sr. Manager, Credit Risk Management

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 :

• 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.
• 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.
• 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.
• 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 :

Knowledge, Skills and Abilities :

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 learn about T-Mobile's amazing benefits, check out www.t-mobilebenefits.com .

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