Sr. Finance Analyst, Product Finance

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 Sr. Finance Analyst, Product Finance delivers big insights and helps leaders throughout the business make critical strategic and operational decisions that shape the long-term vision of T-Mobile. They are responsible for financial analysis, budgets, risk planning and reporting for a portfolio of financial services products. This role is responsible for leading the Profit and Loss (P&L) of critical financial products and providing actionable insights to leadership on financial trends, operational drivers, and business outcomes. Through strategic analysis and advanced financial modeling, the Sr Business Analysis Manager drives revenue growth while ensuring alignment with organizational goals and long-term profitability (LRP).

This position combines expertise in financial performance, credit risk management, and advanced data analytics with leadership in CAPEX/OPEX investments and operational planning. The Sr Business Analysis Manager collaborates with internal teams and external partners, including issuing banks and payment networks to deliver a high-performing product portfolio that exceeds financial performance and customer satisfaction expectations. The role requires handling costs associated with projects and programs, providing strategic financial guidance, and fostering innovation and continuous improvement to enhance customer value.

A self-starter and authority in financial management, the Sr Business Analysis Manager plays a pivotal role in driving financial performance, ensuring regulatory compliance, and shaping strategic initiatives to enhance profitability, growth, and shareholder value. They lead the health of all products and work with external banking partners to set, inspect and audit performance. This includes monitoring performance vs Long Range Plan (LRP) and assessing strategies to bridge gaps. The individual delivers exemplary customer service, meets critical deadlines, and works across all organizational levels to drive sustainable growth and operational excellence.

Core objectives and responsibilities:

• Analyze financial data to identify trends, risks, and opportunities, delivering detailed reports and actionable insights to leadership.
• Use statistical and financial modeling techniques to analyze results and identify variances and underlying causes, opportunities, and risks.
• Use analytical and modeling capabilities to perform scenario and sensitivity analysis to enhance decision-making across a range of options.
• Play a vital role in ensuring efficient financial and operational processes within the organization by handling purchase orders, invoicing, and financial settlements, while maintaining compliance with company policies and regulatory requirements.
• Prepare monthly accruals for internal finance teams and oversee budget tracking to ensure alignment with financial goals.
• Handle procurement requests, conduct third-party risk assessments, and prepare safety and soundness reports.
• Construct executive-level presentations and present complex analytical findings in a clear, concise and decision-impacting manner. Possess the ability to influence leadership through fact-based analysis.
• Also responsible for other Duties/Projects as assigned by business management as needed.
• Requires strong organizational skills, attention to detail, and the ability to work collaboratively with internal teams and external partners to maintain financial accuracy, risk mitigation, and operational integrity.

Relationships & Professional Development

• Acts as a liaison internal collaborators and external partners to ensure alignment with business objectives.
• Works with outside partners and other third parties.
• Develops positive working relationships with Customer groups or Customer Representatives.
• Maintains professional knowledge by attending educational workshops; reviews professional publications; establishes personal networks; participates in professional societies.
• Handles and drives System and Process Improvements by working cross functionally and throughout the entire customer lifecycle to proactively and systematically identify and implement enhancements to key business drivers.

Customer Evangelism

• Leverages customer insights to influence our product feature set or technical improvements to improve customer experience.

• Creates, handles, fosters an active Voice of the Customer feed for themselves and team.
• Actively looks for opportunities to delight or meet customer’s unmet needs.
• Evangelizes and advocates for the customer both internally (IC through C level) and externally, perpetuating the customer-first mindset.
• Creates an environment and culture where the team is immersed in customer first mindset.
• Tests ideas with real customers to ensure that the product delivers the desired benefit.

You need to be

• Passionate.
• Customer obsessed.
• Work with a variety of personalities.
• Have a Spidey sense, and trust and use it.
• Be curious, and sometimes not just take the standard answer.
• Be able to work in ambiguity, yet look for, and gain, clarity.
• Be creative to find solutions when the process fails or something changes.
• Be able to navigate a variety of departments and establish strong, valuable working relationships where goals and deliverables may not align.
• Be comfortable thinking outside of the box and suggesting solutions or processes that may be outside the current working model.

Qualifications

• Bachelor’s degree required in Finance, Accounting, Business Administration, Management, Economics, Engineering, Computer Science, IT or equivalent practical experience
• 7+ years of experience in:
  • Financial Analytics and Planning, solving complex business problems using quantitative analysis 
  • Financial Reporting, developing and maintaining reports to monitor product performance and key success metrics
  • Operations, executing processes related to invoicing and financial settlement, ensuring accuracy, efficiency, and compliance with policies and regulations
  • Cost-benefit, return on investment, and NPV analyses to support decision making
• Relevant experience in fintech or financial services preferred
• Experience working on projects in a telecommunications industry preferred

• 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: $96,700 - $174,400

Corporate Bonus Target: 20%

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, click here.

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.