IRM Senior Credit Risk Analyst

Overview

General information Career area Risk Work Location(s) 2911 Lake Vista Drive, TX City Lewisville, TX Remote? No Ref # 20656 Posted Date 09-11-25 Working time Full time

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 (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

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.

The Work Itself

• 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

Skills You Bring

Benefits and Total Rewards

How We\'ll Have Your Back

Ally\'s compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including :

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.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@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

$85,000 - $150,000 USD An individual\'s position in the range is determined by the specific role, 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. Incentive Compensation : This position is eligible to participate in our annual incentive plan.

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