Director, Portfolio Credit Strategy

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…