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General information

Career area
Risk
Work Location(s)
1000 N. West Street, Wilmington, DE, Work From Home, Remote, DE
Remote?
Yes
Ref #
11263
Posted Date
Monday, February 28, 2022
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?

The Opportunity

The Manager of Credit Policy will be a key player in the Acquisitions Credit Strategy team. This role will own the credit policy development and deployment. He/she will leverage various data source/models to generate insights to ensure that the risk policy decisions support the acquisition growth and stay consistent with the company’s risk appetite. The Credit Policy Manager investigates, creates and implements various risk segmentation, strategies and polices using complex data and advanced analytical approaches.

The Work Itself

  • Drive credit strategies for acquiring new customers through various channels. Includes decision areas such as: Targeting, Approve-Decline and Initial Line Assignment.
  • Advance an integrated test-and-learn agenda in concert with Product and Marketing functions, that seeks to optimize the population, product and credit strategies.
  • Develop and implement analytical frameworks to monitor empirical results of various test and roll-out programs.
  • Conduct ad-hoc analyses to drive insights on performance and identify opportunities to optimize the strategy.
  • Manage and update valuation models that estimate the unit economics at a highly granular level. Estimate and frequently update the loss and revenue curves for various population/product segments to continually improve the accuracy of valuations and the associated strategies.

The Skills You Bring

  • Bachelor’s degree in a quantitative field with 5+ years of analytical experience (or Master’s with 3.5 years) in a high-impact role using data to make decisions
  • High degree of expertise with SQL, Excel, and PowerPoint
  • Expertise with Python, Tableau, or other data analysis tools
  • Understanding of credit as well as extensive knowledge of financial analysis, effective risk management practices, and analytical methodologies
  • Experience in financial services or consulting or corporate strategy
  • The candidate must be extremely comfortable working hands-on with large analytical datasets to perform complex analysis and extract business insights
  • Demonstrated ability to learn rapidly and solve problems dynamically
  • Self-starter; comfortable with ambiguity and open-ended problems
  • Excellent verbal, written, and interpersonal communication skills
  • High degree of initiative with a strong drive for results
  • Critical and structured thinker

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 www.ally.com.

 

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