Analyst, Fraud and Credit Risk Management

At T-Mobile, we invest in YOU!  Our Total Rewards Package ensures that employees get the same big love we give our customers.  All team members receive a competitive base salary and compensation package - this is Total Rewards. Employees enjoy multiple wealth-building opportunities through our annual stock grant, employee stock purchase plan, 401(k), and access to free, year-round money coaches. That’s how we’re UNSTOPPABLE for our employees!

This role supports enterprise fraud risk management by analyzing data to identify emerging fraud patterns and improve the performance of automated fraud decisioning. It involves applying statistical and quantitative methods to measure the effectiveness of fraud rules and strategies across application/identity fraud, payment and transaction fraud, and other fraud programs as needed. The role requires managing large datasets from multiple internal and third-party sources and collaborating with cross-functional teams to turn analysis into strategy. Success is measured by the accuracy and timeliness of fraud reporting and the effectiveness of the strategies that reporting informs, balancing fraud loss reduction against approval rates and customer friction. The work directly influences organization-wide fraud exposure and is presented regularly to fraud and credit risk leadership to guide business decisions.

Responsibilities:

• Design, build, and maintain program-level fraud reporting: KPIs, scorecards, dashboards, and recurring readouts covering fraud loss, detection performance, and customer impact
• Monitor and measure fraud decision engine performance and drive tuning recommendations
• Apply segmentation and statistical analysis (trend, regression, cohort, champion/challenger and A/B test readouts) to size fraud opportunities and quantify the impact of strategy changes
• Extract, process, and transform data from multiple sources — application, payment and transaction, device, and third-party identity and fraud vendor data — into analysis-ready datasets
• Evaluate new data sources and analytic products from external vendors, support proof-of-concept testing, and document findings for stakeholders
• Conduct fraud loss forecasting and exposure analysis, quantifying tradeoffs between fraud loss, approval rates, and customer experience

Qualifications:

Education:

Required: Bachelor’s degree plus 2 years of related work experience OR combination of education and experience deemed equivalent

Preferred:  Acceptable areas of study include Finance, Economics, Mathematics, Industrial Engineering, Statistics or related degree

Work Experience:

Required: 

• Statistical Analysis
• Data Analysis and Extraction
• Intermediate to advanced Excel
• SQL
• Strategic Thinking
• Project Management

Preferred: 

• 2+ years experience in a quantitative analytical function
• Python
• Power BI
• Streamlit
• Snowflake
• AI – Claude or ChatGPT
• Predictive Modeling
• Regression Analysis

#LI-Corporate

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

Travel:
Travel Required (Yes/No): No

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

Base Pay Range: $76,100 - $137,300

Corporate Bonus Target: 10%

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

At T-Mobile, employees in regular, non-temporary roles are eligible for an annual bonus or periodic sales incentive or bonus, based on their role. 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. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance. To find the pay range for this role based on hiring location, https://paylookup.t-mobile.com/paylookup?reqID=REQ360662&paradox=1

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.