Credit Risk Analyst

Responsibilities Forecast financial trends to support strategic decision‑making. Evaluate and optimize the effectiveness of credit policies and outcomes. Develop customer risk segments to improve credit management and performance. Utilize statistical segmentation techniques to identify new opportunities. Perform complex qualitative and quantitative analysis of credit policies to ensure financial goals are being attained. Develop predictive financial and analytical models using appropriate statistical methodologies, including trend and regression analysis. Participate in the analysis of new data and statistical products from external vendors. Perform loss forecasting analysis. Extract, process and transform data from multiple disparate sources. Analyze credit bureau data and alternative credit data. Qualifications Primary Requirements: Bachelor’s degree in Computer Science, Computer Programming, Computer Engineering, Business Administration, or related field, and 5 years of relevant work experience in any occupation in which the required experience is gained. Alternative Requirements: Master’s degree in Computer Science, Computer Programming, Computer Engineering, Business Administration, or related field, and 3 years of relevant work experience in any occupation in which the required experience is gained. Skills SQL, Excel VBA or 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. Snowflake, CV, CUW, or Teradata to extract, transform, and integrate data from multiple sources, with knowledge of the full Exploratory Data Analysis lifecycle, including advanced querying, feature engineering, and building/managing data tables to ensure accuracy. Lead data‑driven initiatives from requirements gathering to analytical framework design, with proficiency in leveraging statistical methods in R or 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/data engineering (Extraction, Transformation, Loading) to deliver insights and monitor key metrics. Develop financial models and forecasts: Customer Lifetime Value prediction, cohort analysis, scenario modeling using Excel, SQL, Python, including NumPy, pandas, and scikit‑learn to evaluate strategies and drive growth. Manage credit risk and underwriting by applying knowledge of credit structures and leveraging transactional, payment, and consumer behavioral data to build predictive models and develop optimization models in Excel and Python to design and implement new credit initiatives. Additional At least 18 years of age. Legally authorized to work in the United States. Location: Bellevue, WA. Telecommuting permitted, but applicant must work from the worksite location at least 3‑4 days per week. No additional national or international travel is anticipated. This position is eligible for the employee referral program. Travel Travel Required: No DOT Regulated Position: No Safety Sensitive Position: No Work Hours & Salary Work hours: 40 hours/week. Salary: $146,182 to $153,800 per year. EEO Statement 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 View email address on click.appcast.io or calling View phone number on click.appcast.io. 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. #J-18808-Ljbffr