Job Description

Ally and Your Career

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

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.

The Portfolio Risk Analyst is responsible for conducting complex analysis and in-depth research on credit risk management issues across Ally's Consumer Auto portfolio. The analysis and research include developing and publishing risk related reporting on portfolio trends within the guardrails as set by managers.

The Work Itself

* Support the development and refinement of the Risk Appetite Statement by developing, maintaining, and implementing Consumer Auto Portfolio risk appetites that align with the enterprise according to manager guidance.
* Develop a strong understanding of portfolio trends through detailed analysis
* Deliver financial and business performance reports in a timely and accurate manner
* Provide analytical and data insights to support drill down analyses / AD-Hoc analyses as required
* Provide data and analysis support to identify Portfolio concerns
* Provide reports on Credit Policy exceptions and their performance
* Work collaboratively with data analysts to develop of reporting structures, including Visual tools, and routines to help with monitoring Portfolio Health
* Support the Portfolio Risk manager in creating presentations that provide guidance to C-Level executives via business reviews.

The Skills You Bring

Required:

* Bachelor's degree in Finance, Economics , Mathematics or Statistics
* Ability to think strategically, use sound judgement, and balance short and long- term risk decisions
* Comfortable with appropriate challenge and escalation
* Strong communication and collaboration skills; ability to work effectively across multiple teams
* Understanding of risk management concepts and key performance drivers within consumer lending portfolios.
* Understanding of data mining and analytical techniques
* Outstanding analytical, problem-solving and organizational skills
* Minimum 2 years of practical experience working with large datasets with SAS and/or SQL knowledge
* Strong data-driven story telling skills
* Detail-oriented, deadline driven, self-motivated, and organized individual
* Candidate must have strong attention to detail
* Knowledge of visual analytic tools like Tableau, Power-BI etc. a plus

Preferred:

* MBA and/or Master's degree in Finance, Economics , Mathematics or Statistics
* 2+ years of Consumer Finance industry experience, (e.g. auto, card, mortgage etc.)

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. 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:

* Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.
* 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 and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.
* Supporting your Health & Well-being: 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.
* Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and child care discounts.
* Work-Life Integration: other benefits including LifeMatters Employee Assistance Program, subsidized and discounted Weight Watchers program and other employee discount programs.

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 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.