Analyst II - Credit Risk Analytics

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 love 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 (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.

The Opportunity This role is on a hybrid schedule in our Detroit, MI office, in a few days per week with some remote work.

Responsible for executing quantitative analysis, reporting, and portfolio surveillance to identify, measure, monitor, and communicate auto credit risk.

This role will leverage business, technical, and analytical skills to evaluate the evolving nature of auto credit risk, support Risk Appetite and KRI monitoring, and create transparency into expected and actual portfolio performance.

Through analysis, independent reporting, and in-depth research, this role will contribute to Independent Risk Management’s responsibility to provide objective oversight and effective challenge. This role will help assess portfolio trends, validate key metrics, support breach commentary and escalation routines, and evaluate whether Ally remains aligned with its risk appetite, risk limits, and emerging credit-risk priorities.

The Work Itself

Job Responsibilities Execute recurring portfolio monitoring and reporting processes across the consumer auto lifecycle, including originations, vintage performance, delinquencies, losses, proforma performance, and key risk concentrations

Support monthly Risk Appetite and KRI reporting by aggregating data, reviewing threshold performance, identifying breaches, validating results, and preparing concise root-cause and action-oriented commentary

Maintain, improve, and automate repeatable reporting processes and dashboards that provide clear visibility into portfolio performance, emerging risks, and business line strategy impacts

Work with large, complex datasets using tools such as SQL, Power BI, Excel, and related platforms to produce accurate, well-controlled analysis and reporting

Review business line reporting and analysis through an independent risk lens, helping identify trends, anomalies, data-quality issues, and areas requiring further review or escalation

Prepare clear, concise reporting and analysis for internal leadership routines, Credit Dashboards, Credit Flash updates, Risk Appetite materials, and ERMC/RC support as needed

Conduct ad-hoc analysis and special projects focused on emerging credit risks, underwriting or pricing strategy impacts, affordability, fraud, vehicle values, delinquency formation, and loss-performance trends

Collaborate with IRM and business line partners to understand drivers of performance, support effective challenge, and communicate risks in a practical, decision-useful manner

Qualifications1+ years of experience in analytics, reporting, risk management, finance, or a related quantitative field; experience in financial services or consumer automotive…