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General information

Career area
Consumer Analytics
Work Location(s)
2911 Lake Vista Drive, Lewisville, TX, 500 Woodward Avenue, Detroit, MI
Remote?
No
Ref #
11277
Posted Date
Wednesday, June 1, 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


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.


The Senior BL Risk Analyst is responsible for conducting complex analysis and in-depth research on credit risk management issues across Ally’s Consumer Auto portfolio.  The analysis and research includes developing and publishing risk related reporting on portfolio trends and measures and drafting presentations to communicate conclusions to all levels of management.  


The Work Itself


  • Own and drive the auto risk portfolio roadmap
  • Promote a strong risk culture by using constructive dissent to appropriately challenge using data and analysis.
  • Perform detailed analysis of portfolio trends and develop a comprehensive end to end understanding of Portfolio, cutting across Originations and Servicing
  • Perform analytics to proactively identify issues and red flags
  • Escalate portfolio concerns to the appropriate levels of management in a timely manner
  • Deliver financial and business performance reports in a timely and accurate manner
  • Provide drill down analyses to understand variance to forecast and performance trends
  • Provide analytical support for projecting expected month-end performance
  • Provide reports on Credit Policy exceptions and their performance
  • Work collaboratively with data analysts to develop of reporting structures, including Visual tools,  and routines to help with monitoring Portfolio Health
  • Support the Portfolio Risk manager in creating and compiling storyboards and presentations that provide guidance to C-Level executives via business reviews

The Skills You Bring

Required

  • Bachelor’s degree in Finance, Economics , Mathematics or Statistics
  • 3-5 years of Consumer Finance industry experience, (e.g. auto, card, mortgage etc.)
  • Minimum 3-4 years of practical experience working with large datasets with SAS and/or SQL knowledge
  • Ability to think strategically, use sound judgement, and balance short and long- term risk decisions
  • Ability to work in fast paced environment and manage conflicting timelines
  • Comfortable with appropriate challenge and escalation
  • Strong communication and collaboration skills; ability to work effectively across multiple teams
  • Understanding of risk management concepts and key performance drivers within consumer lending portfolios.
  • Understanding of data mining and analytical techniques
  • Outstanding analytical, problem-solving and organizational skills
  • Strong data-driven story telling skills
  • Detail-oriented, deadline driven, self-motivated, and organized individual
  • Candidate must have strong attention to detail
 

Preferred:

  • MBA and/or Master’s degree in Finance, Economics , Mathematics or Statistics
  • Knowledge of visual analytic tools like Tableau, Power-BI etc. a plus
  • Strong project management skills

 

 


How We'll Have Your Back

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.