Senior Analyst- Credit Risk

The Opportunity

This position is within the Consumer Auto Monitoring and Testing Team and located in Lewisville TX on a hybrid schedule.

The Senior Credit Risk Analyst is responsible for conducting complex analysis and in-depth research on credit risk management issues across Ally's Consumer 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 adherence to credit risk policies and procedures, credit decisioning methods used, developing and publishing credit 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.

The Work Itself

• Independently identify, assess, measure, mitigate, control, monitor, test, report, and escalate risks, including aggregated risks across the enterprise
• Responsible for executing annual test plan including validation of issue remediation
• Credibly challenge and advise the Business Lines with respect to the management of risks
• Set the criteria and independently test Business Line credit policy adherence and control effectiveness
• Conduct ad-hoc analytics and manage various other independent projects
• Support and execute a risk-based annual testing and monitoring plan; report on results and escalate issues as necessary
• Create monthly Monitoring and Testing reports for management
• Assess credit policy and procedural change requests from Underwriting and Servicing organizations
• Review and challenge BL credit policies, standards, and procedures

The Skills You Bring

LI-Hybrid

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 :