Director, Portfolio Credit Strategy
T-Mobile
full-time
Posted on:
Location Type: Office
Location: Bellevue • Texas • Washington • United States
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Salary
💰 $167,900 - $227,100 per year
Job Level
About the role
- 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
Requirements
- 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
Benefits
- medical, dental and vision insurance
- a flexible spending account
- 401(k)
- employee stock grants
- employee stock purchase plan
- paid time off
- 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
- voluntary long-term care insurance
- mobile service & home internet discounts
- pet insurance
- access to commuter and transit programs
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit risk managementstatistical modelingdata analysisportfolio risk managementfinancial performance analysisregulatory compliancemodel validationperformance monitoringrisk controlspredictive accuracy
Soft Skills
leadershipmentoringcommunicationstrategic thinkingaccountabilitycollaborationproblem-solvinganalytical thinkingdecision-makingcontinuous improvement