IRM Senior Credit Risk Analyst

Senior Credit Risk Analyst

Ally Financial only succeeds when its people do - and that's more than some clich 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?

The Senior Credit Risk Analyst is responsible for conducting analysis and in-depth research on credit risk management topics across Ally's Auto Portfolios to assist Independent Risk Management (IRM) execute its responsibilities. IRM's responsibilities include providing an objective, critical assessment of risks and evaluation of whether Ally remains aligned with its risk appetite and risk limits. The analysis and research include reviewing and evaluating credit risk policies and procedures, risk rating methods used, and the associated risk ratings assigned, developing and publishing risk-related reporting on portfolio trends and measures, and drafting presentations to communicate conclusions to all levels of management. IRM maintains and implements Ally's risk management framework and independently oversees risk-taking activities, sets parameters representative of a strong risk culture that encourages an informed, measured, disciplined, and balanced approach to risk-taking and fair and honest treatment of customers, counterparties, and employees. This position is within the Consumer Auto Monitoring and Testing Team and will be located in Lewisville TX. At this time, Ally will not sponsor a new applicant for employment authorization for this position.

Support and execute a risk-based annual testing and monitoring plan; report on results and escalate issues as necessary. Support the identification, evaluation and recommend detailed risk limits that are consistent with Ally's Risk Appetite and commensurate with Ally's risk profile. Support the team in data gathering and analysis, using technical tools such as SAS or SQL. Work with the broader Monitoring and Testing team to identify, assess, measure, mitigate, control, monitor, test, report, and escalate risks, including aggregated risks across the enterprise. Credibly challenge and advise the Business Lines (BL) with respect to the management of risks. Set the criteria for testing the effectiveness of controls and independently test the effectiveness of controls. Participate in advising management on the suitability of risk exposures relative to the Risk Appetite Statement and risk limits. Document (i.e. formal report) and articulate areas of concern to the Business. Perform ad-hoc analysis and reporting as requested by management. Assess credit policy and procedural change requests from Underwriting and Servicing organizations. Participate in the review and challenge of BL credit policies, standards, and procedures.

Bachelor's degree in relevant field required. SAS / SQL coding experience required. +3 years in the financial services industry, preferably in auto lending or an Internal Audit role. Prior experience using SAS / SQL to pull and analyze data, and having the ability to document and present findings to various levels, including leadership. Prior experience writing issues and reports. Audit and / or QC / QA experience is a plus. Strong familiarity with risk and control concepts. Proven track record performing in-depth analysis and clearly reporting findings. Ability to develop and execute policy testing and monitoring strategies of consumer auto portfolio. Strong presentation, interpersonal and communication skills, including ability to articulate complex problems in a simple manner. Demonstrated ability to work collaboratively and effectively at all levels of the organization. Good organizational skills with the ability to work independently and initiate proactively. Ability to support multiple assignments and stakeholders, self-prioritize workload, and coordinate with teammates to ensure that deadlines are met.

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally's total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including : competitive holiday and flexible paid-time-off, including time off for volunteering and voting. 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. 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. Adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult / elder day care program and childcare discounts. Other benefits including LifeMatters Employee Assistance Program, subsidized and discounted Weight Watchers program and other employee discount programs.

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 work@ally.com. 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 : 85,000 Experienced : 95,000 Expert : 150,000 Incentive Compensation : This position is eligible to participate in our annual incentive plan.