Senior Analyst - Credit Risk

Work Location(s)2911 Lake Vista Drive, TX, 500 Woodward Avenue, MI, 601 S. Tryon Street, NC

Work Schedule:

Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.
* This role is on a hybrid schedule a few days in office weekly in either Lewisville, TX  , Charlotte , NC  or Detroit, MI.
* 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. 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.
* Develop, maintain, and enhance IRM credit risk governance frameworks, standards, procedures and policies.
* Collaborate with Enterprise Governance partners to coordinate lifecycle for IRM policy libraries, ensure robust oversight, effective review, approvals, and periodic refresh.
* Promote an effective risk culture by embodying strong risk management governance.
* 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, improved proposal projections or revised recommendations with the goal of improving Ally’s ability to make business decisions and mitigate credit risk exposure.
* Monitor current Consumer Auto Finance origination and portfolio credit risk patterns/trends, routinely navigate and utilize Power

BI libraries in order to proactively and independently identify emerging credit risks.
* 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.### The Skills You Bring

Minimum Qualifications:

* 3+ years of relevant experience
* Bachelor’s Degree in relevant field(s) of study or equivalent

Preferred Qualifications:

* Bachelor’s degree in quantitative field, examples include Economics, Analytics, Engineering, Mathematics, Statistics, or Data Science.
* 3+ years relevant experience in risk management 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.
* Quick self-learner and critical thinker.
* Experience with data visualization business intelligence reporting tools like Power BI, Tableau, or…