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.

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 position is within the Consumer Auto Monitoring and Testing Team and will be located in Lewisville TX. This role is currently on a hybrid schedule in office in Lewisville, TX a few days a week with some remote days weekly.

At this time, Ally will not sponsor a new applicant for employment authorization for this position.

The Senior Credit Risk Analyst is responsible for conducting analysis and in-depth research on credit risk management topics across Ally's 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 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 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

• 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 Ally's Risk Appetite and commensurate with Ally's 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

The Skills You Bring

• Bachelor's degree required
• 3+ years SAS/SQL coding experience required
• Financial services industry preferred, specifically 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
• Underwriting, Servicing, and/or QC/QA experience is a plus
• Strong familiarity with risk and control concepts
• Demonstrated ability to work collaboratively and effectively at all levels of the organization
• Ability to develop and execute policy testing and monitoring strategies of consumer auto portfolio preferred
• 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