Credit Risk Manager – Credit Risk Management, Modeling and Data Science

Key Skills

Credit Risk, Data science techniques, Machine learning techniques, Microsoft-Excel, Natural Language Processing (NLP), Python Programming, R Programming, SAS, SQL

Job Description

We are looking for an individual with a superior blend of credit risk knowledge, data science skills, predictive modeling expertise, advanced presentation ability, and stakeholder management skills. You will work closely with the Credit Risk Management leadership team, Consumer and T-Mobile for Business [TfB] Credit strategy and Collections strategy teams to develop/maintain Credit Risk models and solve complex customer behavior and advanced analytical problems.

You and your team will own and be responsible for design, development and maintenance of Credit Risk attributes and models to support both consumer and TfB credit risk decision throughout the customer credit lifecycle. You will partner with other functional teams in T-Mobile for deployment, tracking of Credit Risk models and providing read outs to leadership based on model performance insights & analytics.

You must be able to manipulate large amounts of data, extract key insights from data using data science/statistical/analytical concepts, and then be able to take it up a notch by clearly and concisely communicating actionable recommendations to leadership. You will be expected to represent Credit Risk Management team in the role of a credit data, credit risk modeling and data science/machine learning expert.

Responsibilities:

• Develop a deep understanding of T-Mobile systems, data and business processes across the customer credit lifecycle
• Develop, maintain, and monitor credit attributes from both external credit bureau data as well as internal customer behavior data
• Design, develop, maintain, and monitor Credit Risk models emphasizing both prediction accuracy, and the impact to losses and profitability
• Solve complex customer behavior problems using data science/machine learning/NLP approaches
• Lead and mentor junior team members to grow on technical capabilities and industry knowledge

Requirements:

• Bachelor's degree in Analytics, Finance, Economics, Mathematics, Statistics, Engineering, or related fields required; Master’s or PhD degree​ a plus
• 5+ years of quantitative analytics experience in business setting required; working experience in Financial Services industry a plus
• 3+ years of predictive model development experience in business setting required
• Team/project lead experience in business setting required
• Deep understanding of credit bureau report data and credit bureau attributes required
• High proficiency in SAS, Python, R or other analytical/model building programming languages required
• High proficiency in SQL required
• Solid skills in Excel, Word, PowerPoint required
• Superior communication, organization, presentation, and time management skills required
• Direct experience with credit decision system and implementation a plus
• Wireless / Telecom experience a plus
• At least 18 years of age
• Legally authorized to work in the United States
• High School Diploma or GED

Travel:

• Travel Required (Yes/No): No
• DOT Regulated:
• DOT Regulated Position (Yes/No): No
• Safety Sensitive Position (Yes/No): No

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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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