General information Career area Risk
Work Location(s) 2911 Lake Vista Drive, TX, 500 Woodward Avenue, MI, 601 S. Tryon Street, NC
Remote? No
Ref # 21731
Posted Date 02-18-26
Working time Full time
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 (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 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.
The Work Itself - 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 PowerBI 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 equivalent.
- Proficiency in SAS, SQL, Python, or equivalent.
- Proficient in MS Office (PowerPoint, Excel, and Word).
- Prior experience in auto lending and dealer financial services.
- Demonstrated experience drafting policies/standards, committee governance, and effective challenge.
- Master's degree in quantitative field.
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:
- Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
- Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
- Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
- Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
- Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
- Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
- To view more detailed information about Ally's Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf
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 : $85000 - $150000 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.