Sign upLog in

Director, Portfolio Credit Strategy

T-Mobile USA, Inc

Bellevue, WA

Apply
JOB DETAILS
JOB TYPE
Full-time, Employee
SKILLS
Accounting, Accounts Receivable, Accounts Receivable Management, Analysis Skills, Business Strategy, Consumer Loans, Continuous Improvement, Credit Risk, Credit and Collections, Data Analysis, Data Modeling, Financial Risk, Financial Services, Financial Strategy, Financial Trend Analysis, Forecasting, Investment Management, Loan Portfolio, Loan Structuring, Market Share, Mentoring, Past Due Accounts, Performance Analysis, Profit & Loss, Quality Management, Regulatory Compliance, Retail, Retail Management, Risk, Risk Analysis, Risk Management, Risk Modeling, Sales Prospecting, Statistical Modeling, Strategic Planning, Team Lead/Manager, Technical Strategy, Trend Analysis, Underwriting, Willing to Travel
LOCATION
Bellevue, WA
POSTED
30+ days ago
T-Mobile is in pursuit of exceptional talent to join our executive team. We're committed to excellence and innovation, and we are on the lookout for a leader who can steer our company towards new heights of success. In this pivotal role, you will be responsible for driving strategic initiatives and leading a talented team of professionals. The ideal candidate will possess a proven track record of success, demonstrating a keen ability to navigate complex challenges and capitalize on emerging opportunities. As a key member of our executive team, you will play a crucial role in shaping and executing our organizational strategy and contributing to our continued growth and market leadership. Join us in our commitment to driving innovation, inspiring collaboration, fostering a positive company culture, and achieving unparalleled success.

Job Overview
This role leads a team of credit risk professionals and statisticians in the design, execution, and optimization of advanced analytical frameworks to assess, quantify, and mitigate T-Mobile's credit risk exposure. The team manages credit losses across the T-Mobile Financial LLC loan portfolio and service receivable balances for T-Mobile USA, Inc.

The leader in this role brings deep expertise in portfolio risk management, including loss forecasting, credit policy design, risk segmentation, and non-performing loan/receivables mitigation strategies. This individual demonstrates comprehensive command of the end-to-end credit lifecycle, with proven experience spanning credit prospecting, underwriting strategy, portfolio monitoring, and collections optimization.

Un-carrier Responsibilities

Lead, develop, and mentor a high-performing team of credit risk professionals and statisticians by setting clear performance expectations, strengthening technical and strategic capabilities, and fostering a culture of accountability and continuous improvement.
Direct the design, validation, implementation, and performance monitoring of credit risk strategies and statistical models to reduce bad debt, optimize profitability, and deliver against enterprise financial objectives.
Ensure strong governance and disciplined execution of credit strategies and financial decisions, maintaining model integrity, regulatory compliance, and alignment with enterprise standards.
Translate complex data analysis into clear, actionable insights for senior leaders, articulating financial impact, risk trade-offs, and strategic implications.
Improve portfolio asset quality by reinforcing sound credit practices, strengthening risk controls, and maintaining full regulatory and policy compliance.
Develop and oversee key risk indicators (KRIs), incorporating macroeconomic and portfolio trends to proactively identify emerging risks and performance shifts.
Review and challenge analytical methodologies, enhancing model assumptions and advancing alternative approaches to improve predictive accuracy and strategic effectiveness.
Advise senior management on credit risk model development, third-party model selection, monitoring frameworks, and portfolio risk mitigation strategies.
Partner with internal stakeholders and external agents to align credit risk strategies, strengthen data and modeling capabilities, and ensure coordinated, compliant portfolio risk management execution.

The Experience You'll Bring

Bachelor's degree in business management, accounting, engineering or related field.
More than 10 years' experience required, leading credit risk management in a mid- to large-sized consumer lending or credit servicing business with a track record of delivering superior financial performance; combined experience in financial services and retail with a credit extension program is preferred.
4-7 years' experience preferred with retail industry receivables management and factoring and/or securitization is a plus.

At least 18 years of age
Legally authorized to work in the United States

Travel:
Travel Required (Yes/No): Yes

DOT Regulated:
DOT Regulated Position (Yes/No): No
Safety Sensitive Position (Yes/No): No

Base Pay Range: $167,900 - $227,100

Corporate Bonus Target: 25%

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 qualifications and experience, so the actual starting pay will vary within this range. 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.

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.

EOE Statement

We Take Equal Opportunity Seriously - By Choice

T-Mobile USA, Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age, race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, marital 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 or harassment based upon any of these factors is wholly inconsistent with our Company values and will not be tolerated. Furthermore, such discrimination or harassment may violate federal, state, or local law.

About the Company

T

T-Mobile USA, Inc