Terrell Owens Snaps Pics For Mystery Beach Babe in Thong

Terrell Owens has a new, MUCH BETTER gig in retirement life -- personal photog for an insanely hot bikini-clad woman at the beach ... and TMZ Sports has the pics!!

The 45-year-old Hall of Fame receiver hit up the beach in Miami on Thursday ... lounging around with the mystery woman and catching some rays, laughing and taking pics on his phone.

We haven't been able to ID the beach babe yet ... but we're working on it.

While TO doesn't budge from his spot (why would he??) ... the mystery lady doesn't hesitate takin' a dip in the water to cool off. We take it he was snappin' pics for her the whole time.