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The Senior Manager, Credit Risk Management Solution Design is responsible for assessing and defining the architectural vision of Tier 1 and Tier 2 end to end solutions for Fraud, Credit, Collections and Payments decision engine configurations for both new and existing customers, as well as the supporting technology capabilities and infrastructure. This role plays a critical, technical role leading scoping discussions, determining tech feasibility, contributing to the vision and overall delivery of the strategy. This role combines technical expertise, strategic vision, and thought leadership to enhance system performance, improve process efficiencies, and drive the integration of emerging technologies.

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.

Job Responsibilities:

• Review and recommend technical direction to optimize the integrity and adaptability of the technical design throughout the solution’s lifecycle, including best in class testing, privacy, data protection, and regulatory compliance (including PCI, GLBA, CFPB, and Reg E) across consumer facing Financial Services platforms. Ensure secure architecture and data design for customer onboarding, decisioning, account servicing, and financial transactions.
• Maintain system documentation, architecture blueprints, and technical standards to guide development and cross-team partnerships. Gain 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. Engage and voice with multiple vendors, advocating for feature and functionality enhancements in future product releases.
• Partners with cross-functional teams, including Strategy, Fraud, Business, and IT Production Support, to define technology strategy approach for initiatives and to provide recommendations on scope delivery phasing/workstreams.
• Effectively manage technical product teams by providing direction, developmental feedback, coaching, and the necessary tools to ensure success. This includes conducting performance reviews, career development planning, and assigning responsibilities with increasing levels of accountability.

Education and Work Experience:

Required:

• Bachelor's Degree and 7 years of related work experience
  OR a combination of education and experience deemed equivalent (Required)
• 7-10 years of relevant Product & Roadmap Management experience in an Agile software product development environment.
• 7-10 years of Enterprise Systems Architecture
• 2-4 years experience in a leadership role

Preferred:

• 5-7 years experience in Financial Services, FinTech credit decisioning platforms/solutions (FICO, EXP, TU, EQF)
• 2-4 years experience managing teams of 5 or more resources in direct reporting relationship in a Product Management organization.
• Acceptable areas of study include Finance, Economics, Mathematics, Industrial Engineering, Statistics, or related field (Preferred)
• 7-10 years Industry experience in quantitative areas such as Statistics, Mathematics, Economics, Operation Research, or Computer Engineering with course works in Statistics. (Preferred)

Knowledge, Skills and Abilities:

Required:

• Agile Methodologies - Proven success in delivering software with Agile Scrum methodologies and other commonly used tools.
• Platform Strategy & Rationalization - Ability to evaluate a multi-vendor, multi-platform technology landscape and build a business case for simplification, consolidation, or modernization. Identifies redundancy and complexity that increases cost or risk, and recommends a path forward that improves business agility.
• Technology Roadmap Development - Skill in building and maintaining multi-year business capability roadmaps that sequence platform investments against business strategy. Incorporates AI and automation capabilities — including AI-driven decisioning, machine learning-based risk scoring, and generative AI tooling — as core components of the roadmap where they deliver measurable business value. Works collaboratively with IT to ensure the roadmap is grounded in delivery reality while reflecting business stakeholder priorities across all FCRM domains.
• Vendor Capability Evaluation - Ability to engage with strategic FCRM vendors — including FICO, Experian, TransUnion, and emerging fintech platforms — to assess product roadmaps, preview features, and upcoming capabilities. Evaluates whether new or planned vendor capabilities address T-Mobile's business needs across Credit, Collections, Payments, and Fraud. Brings forward clear, business-grounded recommendations on what to adopt, pilot, or watch. Serves as the business voice in vendor product conversations, advocating for feature direction that keeps T-Mobile ahead of the industry
• Testing - Experience with Performance. Load, Stress and Scalability Testing. Implementation of automated testing frameworks.
• Cloud Architecture - Broad awareness of open source and AWS Cloud technologies

Preferred:

• Technology Evaluation & Innovation Adoption - Ability to assess, pilot, and validate new tools and platform capabilities before recommending adoption across FCRM domains. Defines proof-of-concept criteria based on business outcomes, evaluates how new technology performs against operational and strategic requirements, and builds the business case for scaling or retiring a capability. Establishes adoption best practices that help the organization move from innovation pilot to repeatable, production-ready capability.

#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

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. To find the pay range for this role based on hiring location, https://paylookup.t-mobile.com/paylookup?reqID=REQ377161¶dox=1

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! 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, 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.