It’s needs to access risk before giving device loans based on credit risk and validate /refine models used .
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Credit risk also has to do with how much credit we provide dealers (how much inventory they can finance)
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Also keep in mind that T-Mobile also works with large enterprise and government entities, not just consumer customers. Factoring in credit risk on those deals is definitely important due to their size and profitability when special terms are being negotiated (thinking again of the equipment loans that have already been mentioned but also equipment subsidies, lines with and without deposit at scale, etc.)
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Anyone give Credit Risk Manager - data science interview for T-mobile ? Curious to know what kinda questions or focus they do on their final interviews ? Any help for preparation would be helpful! Thank you!
Post paid plans have some risk but it steps up when you are essentially doing $1000 device loans paid over two years. So I believe they check whether or not a post paid plan is offered and whether 0% device financing is available
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