Senior analyst - credit risk

General information

Ref # 20998

Remote? No

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?

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 ?ndings 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 ?nancial 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
• Pro?ciency with Microsoft Of?ce 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. But Ally's total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:

• Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.
• 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 and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.
• Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions 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 support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts.
• Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.

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.

Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally.

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:

An individual's position in the range is determined by 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.

Emerging: 85,000

Experienced: 95000

Expert: 150,000

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