Sr. Manager, Credit Risk Management

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!

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

Innovation & Technology Enablement

Cross-Functional Collaboration & Governance

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 find the pay range for this role based on hiring location, click here .

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.

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.