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.
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.
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
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.)
Ally Financial Inc. (NYSE: ALLY) is a leading digital financial services company and a top 25 U.S. financial holding company offering financial products for consumers, businesses, automotive dealers and corporate clients. Ally’s legacy dates back to 1919, and the company was redesigned in 2009 with a distinctive brand, innovative approach and relentless focus on its customers. Ally has an award-winning online bank (member FDIC), one of the largest full service auto finance operations in the country, a complementary auto-focused insurance business, a growing digital wealth management and online brokerage platform, and a trusted corporate finance business offering capital for equity sponsors and middle-market companies.
Total Rewards Information
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: benefits to help you plan for the near and long term including 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 family stay on track physically, socially, emotionally and financially.
Building a Family: adoption, surrogacy and fertility support as well as benefits that help you take care of your family – 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.
Ally is an Equal Opportunity Employer
Ally is an Equal Opportunity Employer We extend equal employment opportunities to qualified applicants and employees on an equal basis regardless of an individual’s 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