Senior analyst - credit risk

General information

Career area

Risk

Work Location(s)

500 Woodward Avenue, MI

Remote?

No

Ref #

20998

Posted Date

10-23-25

Working time

Full time

Ally and Your Career

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.

The Opportunity

This role is on a hybrid schedule in our Detroit, MI office.

Reporting to the Director of Auto Credit Risk Analytics, this position is responsible for executing quantitative analysis to identify, measure and communicate credit risk. This role will leverage business, technical and analytical skills to evaluate the evolving nature of auto credit risk and create transparency into expected and actual portfolio performance. Through analysis and in-depth research, this role will contribute to Independent Risk Management executing on its responsibilities of providing an objective, critical assessment of risks and through oversight and effective challenge, evaluating whether Ally remains aligned with its risk appetite and risk limits.

The Work Itself

• Lead the development of analytical capabilities to support auto portfolio monitoring and drive evolution of reporting
• Leverage current and explore new tools to provide meaningful data insights, presenting findings in a concise and focused manner
• Work with and manage large amounts of data, executing and maintaining routine reporting processes, developing new repeatable processes, and completing in-depth analysis identifying and measuring credit risk
• Conduct ad-hoc analysis and manage independent projects to identify, assess, monitor, and escalate risks across the enterprise
• Review and challenge material estimates and/or the processes that provide estimates used in managing the business line, credit risk policies, and compliance with enterprise policies and standards

The Skills You Bring

• 3+ years of experience in analytics and reporting required.
• Knowledge of assessing risk in the financial services industry preferred and consumer automotive lending preferred.
• Education level: Bachelor's Degree Required (preferably Statistics, Finance, Accounting, Economics or Business-related Curriculum)
• Strong technical and data skills – advanced experience with Data Visualization tools and advanced SQL required; Python or R experience a plus
• Proficiency with Microsoft Office products including advanced Excel and Powerpoint skills
• Ability to work collaboratively and effectively at all levels of the organization
• Exceptional organizational skills with the ability to work autonomously and initiate proactively
• Ability to translate modeling/analysis results into business recommendations
• Strong analytical and problem-solving skills
• High level of oral and written communication skills
• Ability to manage multiple priorities and deliver timely results

How We'll Have Your Back

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
• Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
• Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
• To view more detailed information about Ally’s Total Rewards, please visit this link:

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at [email protected]. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

Base Pay Range : $85,000 - $150,000 USD

An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

Incentive Compensation: This position is eligible to participate in our annual incentive plan.