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General information

Career area
Loan Administration/Operations
Work Location(s)
12850 W. Gran Bay Pkwy, Jacksonville, FL, 1825 Commerce Center Blvd, Fairborn, OH, 2911 Lake Vista Drive, Lewisville, TX, 3333 Finley Road, Downers Grove, IL, 500 West Madison Street, Chicago, IL, 500 Woodward Avenue, Detroit, MI, 601 S. Tryon Street, Charlotte, NC, 900 N. Arlington Heights, Itasca, IL
Ref #
Posted Date
Thursday, June 16, 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

As a leader in digital financial services, our customer and employee experiences run on data. We depend on the Ally analytics community to fuel these journeys and to help nearly 10,000 leaders and employees make countless data-driven decisions every day. At Ally, every individual is a risk manager. In alignment with our risk culture, this position will ensure the appropriate identification, assessment, and measurement of risk related to the Consumer Auto portfolio.  When necessary, identified risks will be escalated to the appropriate channels to ensure reasonable resolution.

We're looking for a passionate Principal Data Scientist with great technical skills for our Auto Consumer Asset Management group. This person will report to the Director of Data Science for consumer asset management, with responsibilities of (1) supporting through-the-cycle predictive analytics for Ally consumer financial health & portfolio risk (2) applying data science techniques (Correlation, Regression, Decision Trees) to assess key drivers of consumer payment behavior and economic impacts on delinquency and loss (3) processing and analyzing massive external data (e.g. credit bureau, data vendors) to monitor Ally asset performance and benchmark against industry. The ideal candidate should be passionate about data science and consumer risk analytics for banking & financial services. Strong SQL and SAS programming skill is a must. Do you have a focus on predicting customer behavior, managing portfolio risk, strong analytical skills, and a desire to make an impact? If you are a creative and critical thinker, storyteller, learner, and innovator and want to work in an environment focused on using data science and big data tech, keep reading.

The Work Itself

This role is quantitative in nature and requires the individual highly capable of interrogating and analyzing massive account-level data using SQL, SAS and Python. Skills for other programming, data mining tools such as R are preferred. He or she will join the data science team under consumer asset management of Ally auto finance business, with the responsibility to support and advance portfolio risk, predictive analytics for consumer financial health and industry benchmarking. Daily work involves all phases of data science projects, including account-level data processing and validation, exploratory analysis for hypothesis testing and variable screening, communication and presentation to executive leadership team. This principal data scientist must be an innovative and strategic thinker, willing to challenge status quo, can learn quickly, is self-motivated and detail oriented.   

Key Responsibilities include:

  • Lead complex analytics projects which require technical sophistication and ability to navigate ambiguity; Serve as primary checkpoint for external macroeconomics, consumer health and benchmarking data
  • Apply advanced data mining to support predictive analytics (e.g., customer segmentation, clustering) for Ally auto finance asset portfolio management; Independently prepare and analyze large, account-level consumer data from internal and external sources to identify customer behavior and strong risk indicators for Ally auto finance consumer
  • Ability to think strategically, use sound judgement, and balance short and long-term risk decisions; Strong communication and collaboration skills; ability to work effectively across multiple team
  • Understanding of risk management concepts and key performance drivers within consumer lending portfolios; Perform ad-hoc analysis, prepare crisp summary, and deliver recommendation
  • Managing projects of various size/complexity and day-to-day tasks independently in fast paced environment; Mentor junior members in the team

The Skills You Bring

  • 5 to 10 years financial risk analytics, data science and/or predictive modeling work experience
  • Bachelor’s Degree Preferred in Quantitative/Technical Discipline (Mathematics, Computer Science, Data Science/Analytics, Economics)
  • Minimum 3 years of hands-on experience working with large, consumer account-level datasets using SQL and SAS programming
  • Good knowledge of statistics and data mining (e.g., Correlation, Regression, Decision Tree segmentation), and programming skills with exploratory data analysis using Python, R or SAS
  • Solid written and verbal communication skills, including the ability to effectively present data analytics results to internal and external stakeholders
  • Highly self-motivated, with the ability to work effectively in fast paced environment

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.#LI-Hybrid