Senior Data Scientist – Business Optimization & ML Governance

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?

Work Schedule:

Ally designates roles as fully on‑site, hybrid or 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.

As a leader in digital financial services, our customer and employee experiences run on data. We depend on the Ally analytics community to fuel these journeys and to help nearly 10,000 leaders and employees make countless data‑driven decisions every day. 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.

We're looking for a passionate Senior Data Scientist with great technical and analytical skills for our Auto Consumer Asset Management group. This person will report to the Manager of Data Science for consumer asset management, with responsibilities of supporting through‑the‑cycle predictive ML and data modeling for Ally consumer financial health & portfolio risk, conducting large‑scale A/B testing to scientifically assess the effectiveness of alternative risk strategies to achieve business optimization, supporting model performance monitoring, ML risk governance (annual reviews, business line auditing), and independently processing and analyzing massive internal & external data (e.g. credit bureau, data vendors) to monitor Ally asset performance and benchmark against industry.

• Supporting through‑the‑cycle predictive ML and data modeling for Ally consumer financial health, collection strategy and portfolio risks.
• Conducting large‑scale A/B testing to scientifically assess the effectiveness of alternative risk strategies to achieve business optimization.
• Managing the model ongoing performance monitoring, ML risk governance (annual model reviews, business line auditing, third‑party vendor risk).
• Independently processing and analyzing massive internal & external data (e.g. credit bureau, data vendors) to monitor Ally asset performance and benchmark against industry. Ability to think strategically, use sound judgement, and balance short and long‑term risk decisions.
• Understanding of risk management concepts and key performance drivers within consumer collection strategy; optimizing business actions via A/B testing analysis, preparing crisp summary and delivering recommendation.
• Managing projects of various size/complexity and day‑to‑day tasks independently in a fast‑paced environment; mentoring junior members in the team.

• Strong SQL and Python programming skills.
• Strong working knowledge of Machine Learning & Predictive Modeling (Regression, Tree‑based Methods e.g. GBM, RF) and proficiency with frameworks such as scikit‑learn, pandas, H2O.
• Experience designing, implementing, and analyzing A/B tests to drive product/business decisions.
• Familiarity with cloud data and ML platforms such as AWS and Snowflake.
• Solid written and verbal communication skills, including effectively presenting data science results to stakeholders and creating documentation for technical processes and pipelines.
• Highly self‑motivated, able to work effectively in…