Senior Analyst - Credit Risk

General information

Ref # 21731

Remote? No

Ally and Your Career

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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 a few days in office weekly in either Lewisville, TX , Charlotte , NC or Detroit, MI.

Independent Risk Management (IRM) Credit Risk team has an opening for the Senior Credit Risk Analyst. This role will report to the Director of Consumer Credit Risk.

Fast-paced role with high exposure and active engagement within Business Line (BL) and other IRM teams. Ideally suits a person with an entrepreneurial mindset. Every day is different and presents a new opportunity to make a measurable impact. Someone high energy and self-driven will be able to excel in this role and build outstanding credentials for future growth.

The candidate must be enthusiastic about delivering results, must be an innovative and strategic thinker, willing to challenge the status quo, can learn quickly, is detail oriented, and can sift through large amounts of data, reports, and power point slides to pinpoint which items are relevant to making strategic and operational business decisions.

The Work Itself

• Develop, maintain, and enhance IRM credit risk governance frameworks, standards, procedures and policies.

• Collaborate with Enterprise Governance partners to coordinate lifecycle for IRM policy libraries, ensure robust oversight, effective review, approvals, and periodic refresh.

• Promote an effective risk culture by embodying strong risk management governance.

• Review and challenge new Consumer Auto Finance proposals involving independent evaluation of in-depth analysis; contact with key BL partners and communication with other stakeholders.

• Ensure proposals accurately assess, project, mitigate and identify incremental risks and are in compliance with credit risk policies and Risk Appetite Framework.

• Provide challenges and supporting arguments to influence analytical process leading to expanded considerations, improved proposal projections or revised recommendations with the goal of improving Ally's ability to make business decisions and mitigate credit risk exposure.

• Monitor current Consumer Auto Finance origination and portfolio credit risk patterns/trends, routinely navigate and utilize PowerBI libraries in order to proactively and independently identify emerging credit risks.

• Demonstrate strong working knowledge of processes and governance requirements involved in making new business decisions to expand credit risk appetite.

• Create monthly reports and presentations summarizing and appraising BL's risk-taking activities for executive IRM leadership.

The Skills You Bring

Minimum Qualifications:

• 3+ years of relevant experience
• Bachelor's Degree in relevant field(s) of study or equivalent

Preferred Qualifications:

Bachelor's degree in quantitative field, examples include Economics, Analytics, Engineering, Mathematics, Statistics, or Data Science. * 3+ years relevant experience in risk management within financial services. Proven record of contributing to and leading projects, performing in-depth analysis and presenting key findings.

• Proficient organizational skills and time management abilities. Productive project management skills and ability to independently prioritize tasks.
• Effective presentation and communication skills, including ability to articulate complex problems in a simple manner.
• Strong people skills, adept at building effective connections with others.
• Strong work ethic, ownership, and goal-oriented mentality aiming for a win-win outcome.
• Ability to deal with ambiguity and completing objectives in a fast-paced environment.
• Quick self-learner and critical thinker.
• Experience with data visualization business intelligence reporting tools like Power BI, Tableau, or equivalent.
• Proficiency in SAS, SQL, Python, or equivalent.
• Proficient in MS Office (PowerPoint, Excel, and Word).
• Prior experience in auto lending and dealer ?nancial services.
• Demonstrated experience drafting policies/standards, committee governance, and effective challenge.
• Master's degree in quantitative field.

How We'll Have Your Back

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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: 85000

Experienced: 117500

Expert: 150000

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