Senior Analyst - Auto Credit Risk Analytics .
Ally and Your Career
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 findings 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 financial 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
- Proficiency with Microsoft Office 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. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:
- Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
- 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 pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
- Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, 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 assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
- Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
- Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
- To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf
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 hrpolicy@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.