Auto Credit Risk Analyst – Hybrid

1611 Ally Bank; United States; Hybrid; USD 65,000 - 115,000; Full time

Benefits offered by this job

401K and retirement planning

Bonuses and incentive plan

Generous benefits package

Job summary

Ally Financial in Detroit, MI is seeking a hybrid-role Analytics/Risk Analyst to execute portfolio monitoring and deliver robust reporting. You will work with large data sets using SQL and Power BI to assess auto credit risk, support risk appetite, and provide concise leadership-ready insights.

The role emphasizes cross-functional collaboration, data quality, and proactive risk communication, combining analytical rigor with business context in a flexible hybrid schedule.

Qualifications

• 1+ years of experience in analytics, reporting, risk management, finance, or a related quantitative field; experience in financial services or consumer automotive lending preferred.
• Strong technical and data skills, including experience with SQL and Power BI; Python, R, Snowflake, SAS, or other data/analytics tools a plus.
• Advanced proficiency with Microsoft Office products, including Excel and PowerPoint, with the ability to translate analysis into clean, accurate, executive-ready materials.
• Strong analytical, problem-solving, and critical-thinking skills, with attention to detail and the ability to identify trends, anomalies, and potential data-quality concerns.
• Ability to manage recurring deliverables and ad-hoc requests while maintaining accuracy, organization, and timely execution.
• Strong written and verbal communication skills, including the ability to summarize complex credit-risk topics clearly and concisely for management audiences.

Responsibilities

• Execute recurring portfolio monitoring and reporting processes across the consumer auto lifecycle, including originations, vintage performance, delinquencies, losses, pro forma performance, and key risk concentrations.
• Support monthly Risk Appetite and KRI reporting by aggregating data, reviewing threshold performance, identifying breaches, validating results, and preparing concise root-cause and action-oriented commentary.
• Maintain, improve, and automate repeatable reporting processes and dashboards that provide clear visibility into portfolio performance, emerging risks, and business line strategy impacts.
• Work with large, complex datasets using tools such as SQL, Power BI, Excel, and related platforms to produce accurate, well-controlled analysis and reporting.
• Review business line reporting and analysis through an independent risk lens, helping identify trends, anomalies, data-quality issues, and areas requiring further review or escalation.
• Prepare clear, concise reporting and analysis for internal leadership routines, Credit Dashboards, Credit Flash updates, Risk Appetite materials, and ERMC/RC support as needed.
• Conduct ad-hoc analysis and special projects focused on emerging credit risks, underwriting or pricing strategy impacts, affordability, fraud, vehicle values, delinquency formation, and loss-performance trends.
• Collaborate with IRM and business line partners to understand drivers of performance, support effective challenge, and communicate risks in a practical, decision-useful manner.

Skills

SQL

Power BI

Python

R

Snowflake

SAS

Education

Bachelor's degree

Tools

Excel

PowerPoint

Job description

Ally Financial in Detroit, MI is seeking a hybrid-role Analytics/Risk Analyst to execute portfolio monitoring and deliver robust reporting. You will work with large data sets using SQL and Power BI to assess auto credit risk, support risk appetite, and provide concise leadership-ready insights.

The role emphasizes cross-functional collaboration, data quality, and proactive risk communication, combining analytical rigor with business context in a flexible hybrid schedule.