Senior Credit Risk Analyst - Independent Risk Management

General information**

**Ref #** 19627

**Remote?** No

**Ally and Your Career**

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Ally Financial only succeeds when its people do - and thats more than some cliche 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. Youre constantly evolving, so shouldnt your opportunities be, too?

**The Opportunity**

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

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.

**The Work Itself**

* 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 Allys 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 BLs risk-taking activities for executive IRM leadership.

* Support development and execution of the annual IRM testing and monitoring plan.

**The Skills You Bring**

Required

* Bachelors 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 nancial services.

* Proficiency in SAS, SQL, Python, or equivalent.

* Masters degree in quantitative field.

**How We'll Have Your Back**

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Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Allys 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.

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.

**_Base Pay Range:_**

An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

**Emerging:** 70000

**Experienced:** 95000

**Expert:** 120000

Incentive Compensation: This position is eligible to participate in our annual incentive plan