Ally Financial Careers

This role is on a hybrid schedule  in office weekly and open to any Ally in office location (not open to fully remote candidates). 

Independent Risk Management (IRM) Credit Risk team has an opening for the Senior Credit Risk Analyst. This role will report to the Director of Consumer Credit Risk located in Charlotte, NC.

Fast-paced role with high exposure and active engagement within Business Line (BL) and other IRM teams. Ideally suits a person with an entrepreneurial mindset. Every day is different and presents a new opportunity to make a measurable impact. Someone high energy and self-driven will be able to excel in this role and build outstanding credentials for future growth.

The candidate must be enthusiastic about delivering results, must be an innovative and strategic thinker, willing to challenge the status quo, can learn quickly, is detail oriented, and can sift through large amounts of data, reports, and power point slides to pinpoint which items are relevant to making strategic and operational business decisions.

In office role with hybrid schedule, work locations are either Ally Lewisville Office, Ally Charlotte Center or Ally Detroit Center.

• Review and challenge new Consumer Auto Finance proposals involving independent evaluation of in-depth analysis; contact with key BL partners and communication with other stakeholders.
• Ensure proposals accurately assess, project, mitigate and identify incremental risks and are in compliance with credit risk policies and Risk Appetite Framework.
• Provide challenges and supporting arguments to influence analytical process leading to expanded considerations, revisions to proposal projections or recommendation with the goal of improving Ally’s ability to make new business decisions and mitigate credit risk exposure.
• Monitor current Consumer Auto Finance origination and portfolio credit risk patterns/trends, routinely navigate and utilize PowerBI libraries in order to proactively and independently identify emerging credit risks.
• Promote an effective risk culture by embodying strong risk management governance. Support consumer credit risk governance structure, including reviewing policies and procedures.
• Demonstrate strong working knowledge of processes and governance requirements involved in making new business decisions to expand credit risk appetite.
• Create monthly reports and presentations summarizing and appraising BL’s risk-taking activities for executive IRM leadership.
• Support development and execution of the annual IRM testing and monitoring plan.

Required

• Bachelor’s degree required. Preferred in quantitative field, examples include Economics, Analytics, Engineering, Mathematics, Statistics, or Data Science.
• 3+ years relevant analytical experience in consumer underwriting, portfolio management, or credit risk within financial services.
• Proven record of contributing to and leading projects, performing in-depth analysis and presenting key findings.
• Proficient organizational skills and time management abilities. Productive project management skills and ability to independently prioritize tasks.
• Effective presentation and communication skills, including ability to articulate complex problems in a simple manner.
• Strong people skills, adept at building effective connections with others.
• Strong work ethic, ownership, and goal-oriented mentality aiming for a win-win outcome.
• Ability to deal with ambiguity and completing objectives in a fast-paced environment.
•  Experience with data visualization business intelligence reporting tools like Power BI, Tableau, or equivalent.
• Strong command of MS Office (PowerPoint, Excel, and Word).
• Quick self-learner and critical thinker.

Preferred

• Prior experience in auto lending and dealer financial services.
• Proficiency in SAS, SQL, Python, or equivalent.
• Master’s degree in quantitative field.