Senior Level Credit Risk Analyst Jobs
Senior level credit risk analyst jobs put experienced analysts in charge of portfolio-wide risk frameworks, model governance, and the teams or projects that translate risk strategy into outcomes. Openings are concentrated in Banking & Financial Services, Fintech, and Telecommunications, with a 29% remote or hybrid share, and employers like JPMorganChase, T-Mobile, and SMBC hiring at this level now.
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Showing 5 of 7+ Senior Level Credit Risk Analyst jobs
INTRODUCTION
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!
ROLE AND RESPONSIBILITIES
The Senior Manager, Credit Risk Management is responsible for technical support for Tier 1 and Tier 2 solutions, managing fraud, credit, and collections strategy decision engine configurations for both new and existing customers, as well as the supporting technology capabilities and infrastructure that support that product in an Agile driven environment. This role combines technical expertise, strategic vision, and thought leadership to enhance team performance, improve process efficiencies, and drive the integration of emerging technologies. The ideal candidate will bring strong project management skills, analytical expertise, and advanced communication abilities to guide the development and implementation of cutting-edge decisioning solutions.
The Senior Manager is also responsible for attracting, hiring, retaining a high performing team of Software Configuration owners, other members of technical staff, and Managers to support products and platforms. This role is also directly accountable for developing strong and productive relationships outside your direct teams with partner organizations, dependent IT engineering teams, and supporting vendors.
Responsibilities:
- Provide technical direction and recommendations to ensure the integrity and adaptability of the technical design throughout the solution’s lifecycle. This includes designing, building, and configuring technical solutions that align with client requirements while adhering to software development principles.
- Ensure high-quality processes and deliverables by gaining expert-level knowledge of product architecture and workflows through active project involvement. Participate in code reviews to uphold high-quality releases and maintain best practices. Oversee technical relationships with multiple vendors, advocating for feature and functionality enhancements in future product releases. Regularly reassess current processes, refining and optimizing where needed.
- Work closely with cross-functional teams, including Strategy, Fraud, Business, and IT Production Support, to facilitate seamless releases. Communicate project details, issues, and deliverable timelines effectively to senior management while providing technical support to stakeholder teams as needed.
- Manage and develop multiple teams to deliver projects on time and owning the budget by providing technical leadership, coaching, performance feedback, and business solution expertise that strengthen team capabilities and drive successful outcomes.
- Foster a culture of innovation by encouraging the ‘productization’ of solutions for scalable and repeatable success. Maintain a client-first mentality, prioritizing customer needs and satisfaction. Identify opportunities for process improvements and lead initiatives to enhance efficiency and effectiveness.
EDUCATION AND WORK EXPERIENCE
Required:
- Bachelor's Degree and 7 years of related work experience OR a combination of education and experience deemed equivalent.
- 7+ Years relevant product management experience in an Agile software product development environment.
- 2-4 years experience in a leadership role.
Preferred:
- Acceptable areas of study include Finance, Economics, Mathematics, Industrial Engineering, Statistics, or related field.
- 2-4 years experience managing teams of 5 or more resources in direct reporting relationship in a Product Management organization.
KNOWLEDGE, SKILLS AND ABILITIES
Required:
- Agile Methodologies: Proven success in delivering software with Agile Scrum methodologies and other commonly used tools.
- Agile Project Management: Experience with Agile backlog/project management tools.
- Cloud Architecture: Broad awareness of open source & AWS Cloud technologies.
Preferred:
- Configuration: Expertise in configuring and testing decision engines (eg: FICO Platform, Experian PowerCurve), or similar platforms.
- Languages: Knowledge and proficient use of Java, JavaScript, and NoSQL. Experience with NoSQL technologies such as Aurora.
- Scripting: Advanced scripting skills in at least one of the following: Python, Perl or Shell and willingness to learn new technologies. Experience with Source Code Management Tools.
- Testing: Experience with Performance, Load, Stress and Scalability Testing. Implementation of automated testing frameworks.
CERTIFICATIONS
Preferred:
- Certified Scrum Master (CSM)
- Scrum Product Owner Certification (CSPO)
- Agile Certified Practitioner (PMI-ACP)
TRAVEL
Travel Required (Yes/No): No
DOT REGULATED
DOT Regulated Position (Yes/No): No
Safety Sensitive Position (Yes/No): No
COMPENSATION
- Total Target Cash Earnings Opportunity: $171,480 - $309,360
- National Base Pay Range: $142,900 - $257,800
The Total Target Cash Earnings Opportunity represents the expected total cash compensation for this role at target performance, combining base salary and annual incentive opportunity. Actual earnings may be higher or lower depending on individual performance and overall company results.
The base pay range reflects the compensation component of this opportunity. The 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. Corporate employees are eligible for a year-end bonus based on individual and/or company 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. The incentive component included in the Total Target Cash Earnings Opportunity reflects target performance. Actual earnings included in the Total Target Cash Earnings Opportunity reflect target performance; actual payouts may vary.
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!
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, genetic information, 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.
INTRODUCTION
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!
ROLE AND RESPONSIBILITIES
The Senior Manager, Credit Risk Management is responsible for technical support for Tier 1 and Tier 2 solutions, managing fraud, credit, and collections strategy decision engine configurations for both new and existing customers, as well as the supporting technology capabilities and infrastructure that support that product in an Agile driven environment. This role combines technical expertise, strategic vision, and thought leadership to enhance team performance, improve process efficiencies, and drive the integration of emerging technologies. The ideal candidate will bring strong project management skills, analytical expertise, and advanced communication abilities to guide the development and implementation of cutting-edge decisioning solutions.
The Senior Manager is also responsible for attracting, hiring, retaining a high performing team of Software Configuration owners, other members of technical staff, and Managers to support products and platforms. This role is also directly accountable for developing strong and productive relationships outside your direct teams with partner organizations, dependent IT engineering teams, and supporting vendors.
Responsibilities:
- Provide technical direction and recommendations to ensure the integrity and adaptability of the technical design throughout the solution’s lifecycle. This includes designing, building, and configuring technical solutions that align with client requirements while adhering to software development principles.
- Ensure high-quality processes and deliverables by gaining expert-level knowledge of product architecture and workflows through active project involvement. Participate in code reviews to uphold high-quality releases and maintain best practices. Oversee technical relationships with multiple vendors, advocating for feature and functionality enhancements in future product releases. Regularly reassess current processes, refining and optimizing where needed.
- Work closely with cross-functional teams, including Strategy, Fraud, Business, and IT Production Support, to facilitate seamless releases. Communicate project details, issues, and deliverable timelines effectively to senior management while providing technical support to stakeholder teams as needed.
- Manage and develop multiple teams to deliver projects on time and owning the budget by providing technical leadership, coaching, performance feedback, and business solution expertise that strengthen team capabilities and drive successful outcomes.
- Foster a culture of innovation by encouraging the ‘productization’ of solutions for scalable and repeatable success. Maintain a client-first mentality, prioritizing customer needs and satisfaction. Identify opportunities for process improvements and lead initiatives to enhance efficiency and effectiveness.
EDUCATION AND WORK EXPERIENCE
Required:
- Bachelor's Degree and 7 years of related work experience OR a combination of education and experience deemed equivalent.
- 7+ Years relevant product management experience in an Agile software product development environment.
- 2-4 years experience in a leadership role.
Preferred:
- Acceptable areas of study include Finance, Economics, Mathematics, Industrial Engineering, Statistics, or related field.
- 2-4 years experience managing teams of 5 or more resources in direct reporting relationship in a Product Management organization.
KNOWLEDGE, SKILLS AND ABILITIES
Required:
- Agile Methodologies: Proven success in delivering software with Agile Scrum methodologies and other commonly used tools.
- Agile Project Management: Experience with Agile backlog/project management tools.
- Cloud Architecture: Broad awareness of open source & AWS Cloud technologies.
Preferred:
- Configuration: Expertise in configuring and testing decision engines (eg: FICO Platform, Experian PowerCurve), or similar platforms.
- Languages: Knowledge and proficient use of Java, JavaScript, and NoSQL. Experience with NoSQL technologies such as Aurora.
- Scripting: Advanced scripting skills in at least one of the following: Python, Perl or Shell and willingness to learn new technologies. Experience with Source Code Management Tools.
- Testing: Experience with Performance, Load, Stress and Scalability Testing. Implementation of automated testing frameworks.
CERTIFICATIONS
Preferred:
- Certified Scrum Master (CSM)
- Scrum Product Owner Certification (CSPO)
- Agile Certified Practitioner (PMI-ACP)
TRAVEL
Travel Required (Yes/No): No
DOT REGULATED
DOT Regulated Position (Yes/No): No
Safety Sensitive Position (Yes/No): No
COMPENSATION
- Total Target Cash Earnings Opportunity: $171,480 - $309,360
- National Base Pay Range: $142,900 - $257,800
The Total Target Cash Earnings Opportunity represents the expected total cash compensation for this role at target performance, combining base salary and annual incentive opportunity. Actual earnings may be higher or lower depending on individual performance and overall company results.
The base pay range reflects the compensation component of this opportunity. The 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. Corporate employees are eligible for a year-end bonus based on individual and/or company 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. The incentive component included in the Total Target Cash Earnings Opportunity reflects target performance. Actual earnings included in the Total Target Cash Earnings Opportunity reflect target performance; actual payouts may vary.
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!
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, genetic information, 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.
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Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Fintech
- Telecommunications
- Investment & Asset Management
Senior Level Credit Risk Analyst Jobs: Frequently Asked Questions
How do I get a senior level credit risk analyst job?
Employers at this level look for candidates who have owned risk models end-to-end, not just contributed to them. Strong candidates demonstrate experience setting credit policy, validating models under regulatory scrutiny, and presenting recommendations to senior leadership. Proficiency in Python, SAS, or SQL for stress testing, combined with a track of mentoring junior analysts, consistently separates competitive applicants from the field.
Which companies hire senior level credit risk analysts?
Companies hiring senior level credit risk analysts right now include JPMorganChase, T-Mobile, and SMBC, based on current listings on Migrate Mate as of November 2026. Hiring at this level tends to come from large banks, regional lenders, specialty finance firms, and financial services consultancies that maintain dedicated credit risk functions with room for senior contributors.
Are there remote senior level credit risk analyst jobs?
Yes, though availability varies by employer and function. About 29% of senior level credit risk analyst openings are remote or hybrid as of November 2026, reflecting demand from institutions that have formalized flexible work for experienced individual contributors. Roles tied to model validation, regulatory reporting, or cross-functional leadership are most likely to offer hybrid arrangements.
What makes a credit risk analyst role senior level?
Senior level credit risk analyst roles are defined by scope of ownership and independent judgment. Analysts at this stage design and govern risk frameworks rather than execute within them, lead cross-functional model validation or policy projects, and are expected to mentor junior team members. Regulatory engagement, executive-level communication, and accountability for portfolio-wide outcomes distinguish these roles from mid-level positions.
Which industries hire the most senior level credit risk analysts?
Senior Level credit risk analyst roles concentrate in Banking & Financial Services, Fintech, and Telecommunications, based on current listings on Migrate Mate as of November 2026. These sectors drive hiring because they carry significant credit exposure requiring experienced oversight, face ongoing regulatory requirements around model risk management, and rely on senior analysts to translate complex risk signals into strategic decisions.