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General information

Career area
Work Location(s)
1100 Virginia Drive, Fort Washington, PA, 500 Woodward Avenue, Detroit, MI, 601 S. Tryon Street, Charlotte, NC
Ref #
Posted Date
Monday, April 11, 2022
Working 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?

The Opportunity

Ally Lending partners with merchants other third parties to offer consumer loans for healthcare and for home renovation and repair projects.    This role lead risk program activities, vendor relationships, models and tools focused on risk assessment, due diligence and onboarding of new merchants, resellers, multi-lender platforms and other third parties (TPSRs) that support loan origination through Ally’s point-of-sale consumer lending business.

The Work Itself

  • Define risk eligibility requirements for merchants and other third parties to participate in the Lending Program. 
  • Ensure accurate categorization of TPSRs based on risk-generating activities, Establish intake requirements and measure risk level for prospective merchants / TPSRs. 
  • Oversee / coordinate due diligence and underwriting process for new merchants / TPSRs including financial review, reputational review, OFAC screening, professional Licensing, and Information protection.    
  • Drive requirements for merchant risk assessment / due diligence through 3rd party service providers and Ally Lending platform.  Develop / maintain third-party vendors / data furnishers that support the underwriting and due diligence process.  Serve as relationship owner for key vendors.
  • Coordinate closely with other Lending teams (including Sales, credit risk, Pricing, implementation, legal, fraud, etc.) to ensure that assessment and onboarding processes for new Merchants / TPSRs operates efficiently and effectively.
  • Work with Sales and legal teams to ensure contract language is aligned with TPSR activities and risk levels. 
  • Hire, lead and develop a team of analysts and mangers; define team roles, manage capacity and performance to ensure necessary work is completed and deadlines are met. 
  • Leverage technical knowledge and experience to solve complex problems in support of Risk objectives
  • Support other projects, initiatives, programs, and analysis, as required by business needs.   

The Skills You Bring

  • Bachelor’s degree in business or related field. MBA or advanced degree is ideal.
  • 7-10 years experience in financial services; experience leading client risk or third-party risk programs, and tools / platforms that support those programs. 3 or more years experience managing teams of professionals.
  • Experience in merchant risk, dealer risk, or onboarding commercial clients is preferred.
  • Understanding of Ally risk framework and consumer Lending regulation.
  • Excellent communication and collaboration skills; ability to work effectively and coordinate work across multiple teams
  • Experience in building Business Intelligence reports using PowerBI, Tableau or similar tools
  • Detail-oriented, deadline driven, self-directed and organized individual
  • Proficient with Microsoft PowerPoint, and Excel
  • Ability to depict complex information in an organized and clear fashion.

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 Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.