Sr Analyst, Payment Strategy

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!

The Senior Analyst, Payment Strategy supports T-Mobile's Payment Strategy team by leveraging data, analytics, and strategic thinking to optimize the customer payment experience while managing payment risk and cost. This role partners across Product, Finance, Technology, Risk, Fraud, and Operations to analyze customer payment behavior, identify opportunities for improvement, and develop data-driven recommendations that influence payment strategy. Success in this role requires curiosity, strong analytical skills, and the ability to translate complex data into clear business insights for executive decision-making. The ideal candidate enjoys solving ambiguous problems, working with large data sets, and balancing customer experience with sound business outcomes. This role has a direct impact on how millions of customers pay T-Mobile each month and how the company manages billions of dollars in annual payment volume.

Responsibilities:

Analyze Customer Payment Behavior

• Analyze large customer payment datasets to identify trends, risks, and opportunities.
• Investigate payment behaviors across payment methods, customer segments, and channels.
• Identify root causes of payment failures, losses, and customer friction.

Develop Payment Strategy Recommendations

• Evaluate strategies that improve payment approvals while minimizing payment losses and fraud.
• Build business cases supported by quantitative analysis and scenario modeling.
• Recommend improvements that balance customer experience, operational efficiency, and financial performance.

Data Analysis & Decision Support

• Develop queries and leverage Snowflake to extract, analyze, and validate data.
• Build financial models, dashboards, and "what-if" analyses to support strategic decisions.
• Use AI-enabled productivity tools (such as ChatGPT and Claude) appropriately to accelerate research, analysis, documentation, and problem solving.

Cross-Functional Strategy Development

• Partner with Product, Fraud, Risk, Technology, Finance, and Operations teams to evaluate opportunities and implement strategic initiatives.
• Gather business requirements and synthesize complex information into actionable recommendations.

Executive Communications

• Develop concise executive presentations that communicate findings, recommendations, and business impacts.
• Present analysis and strategic recommendations to senior leadership.

Industry & Market Insights (10%)

• Monitor payment industry trends, emerging technologies, customer behaviors, and competitor capabilities.
• Evaluate new payment solutions and innovations that could improve T-Mobile's payment 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 Business, Finance, Economics, Computer Science, Statistics, or related field

Work experience: 

Required: 

• 2-4 years experience with written communication and presentation skills.  Experience with business writing and building PowerPoint presentations
• 2-4 years experience with strategy and problem-solving experience in framing complex problems, identifying key issues that impact business decisions and providing data driven recommendations.
• 2-4 years experience data analytics and financial modeling.  Experience in performing financial and operating analysis and reporting, including analyzing complex data.
• Analytical thinking
• Statistical analysis
• Critical Thinking
• Data Analysis
• Microsoft PowerPoint
• Strategic Thinking

Preferred: 

• 2-4 years experience working with SQL and cloud data platforms like Snowflake.
• 2-4 years experience with consumer payments, fraud, payment processing, or financial services.
• Business case development
• Structured problem solving
• Executive Communication
• SQL (Basic to Intermediate)
• Financial Analysis
• Financial Modeling
• Snowflake
• AI Productivity (ChatGPT, Claude)
• Scenario Analysis
• Stakeholder Management

#LI-Corporate

• 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: $73,100 - $131,900

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=REQ361107&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.