IRM Senior Credit Risk Analyst

The Senior Credit Risk Analyst is responsible for conducting analysis and in-depth research on credit risk management topics across Allys Auto portfolios to assist Independent Risk Management (IRM) execute its responsibilities. IRMs 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 Allys 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.

• 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 Allys Risk Appetite and commensurate with Allys 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

• Bachelors degree in relevant field required
• SAS/SQL coding experience required
• 3 years in the financial services industry preferably in auto lending or an Internal Audit role
• Prior experience using SAS/SQL to pull and analyze data and having the ability to document and present findings to various levels including leadership
• Prior experience writing issues and reports
• Audit and/or QC/QA experience is a plus
• Strong familiarity with risk and control concepts
• Proven track record performing in-depth analysis and clearly reporting findings
• Ability to develop and execute policy testing and monitoring strategies of consumer auto portfolio
• Strong presentation interpersonal and communication skills including ability to articulate complex problems in a simple manner
• Demonstrated ability to work collaboratively and effectively at all levels of the organization
• Good organizational skills with the ability to work independently and initiate proactively
• Ability to support multiple assignments and stakeholders self-prioritize workload and coordinate with teammates to ensure that deadlines are met
• #LI-Hybrid

Allys 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 Allys Total Rewards please visit this link: 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 .

  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 Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.