Senior Credit Risk Analyst - Independent Risk Management

IIBA (International Institute of Business Analysis); Charlotte (NC); Hybrid; USD 85,000 - 150,000; Full time

Job summary

A leading financial services company seeks a Senior Credit Risk Analyst to join their Independent Risk Management team in Charlotte, NC. The role offers a hybrid work schedule, involving key responsibilities in evaluating finance proposals and managing credit risk while promoting a strong risk culture. Candidates should possess a Bachelor's degree in a quantitative field and 3+ years of relevant experience in financial services.

Benefits

20 paid time off days plus 11 paid holidays

401K retirement savings plan with matching

Flexible health and insurance options

Paid parental leave

Tuition reimbursement

Qualifications

• 3+ years of analytical experience in consumer underwriting or credit risk.
• Proven record in leading projects and performing in-depth analysis.
• Proficient in data visualization tools.

Responsibilities

• Review and challenge Consumer Auto Finance proposals.
• Monitor current Consumer Auto Finance credit risk trends.
• Create monthly reports summarizing risk activities for leadership.

Skills

Analytical skills

Communication skills

Organizational skills

Problem Solving

Project Management

Education

Bachelor's degree in Economics, Analytics, Engineering, Mathematics, Statistics, or Data Science

Tools

Power BI

SAS

SQL

Python

Job description

General information

Career area
Risk

Work Location(s)
2911 Lake Vista Drive, TX, 500 Woodward Avenue, MI, 601 S. Tryon Street, NC

Remote?
No

Ref #
19627

Posted Date
04-29-25

Working time
Full time

Ally and Your Career

Ally Financial only succeeds when its people do - and that's more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You're constantly evolving, so shouldn't your opportunities be, too?

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 role is on a hybrid schedulein office weekly and open to Charlotte, Detroit, Lewisville offices only at this time.

Independent Risk Management (IRM) Credit Risk team has an opening for the Senior Credit Risk Analyst. This role will report to the Director of Consumer Credit Risk located in Charlotte, NC.

Fast-paced role with high exposure and active engagement within Business Line (BL) and other IRM teams. Ideally suits a person with an entrepreneurial mindset. Every day is different and presents a new opportunity to make a measurable impact. Someone high energy and self-driven will be able to excel in this role and build outstanding credentials for future growth.

The candidate must be enthusiastic about delivering results, must be an innovative and strategic thinker, willing to challenge the status quo, can learn quickly, is detail oriented, and can sift through large amounts of data, reports, and power point slides to pinpoint which items are relevant to making strategic and operational business decisions.

In office role with hybrid schedule, work locations are either Ally Lewisville Office, Ally Charlotte Center or Ally Detroit Center.

The Work Itself

• Review and challenge new Consumer Auto Finance proposals involving independent evaluation of in-depth analysis; contact with key BL partners and communication with other stakeholders.
• Ensure proposals accurately assess, project, mitigate and identify incremental risks and are in compliance with credit risk policies and Risk Appetite Framework.
• Provide challenges and supporting arguments to influence analytical process leading to expanded considerations, revisions to proposal projections or recommendation with the goal of improving Ally's ability to make new business decisions and mitigate credit risk exposure.
• Monitor current Consumer Auto Finance origination and portfolio credit risk patterns/trends, routinely navigate and utilize PowerBI libraries in order to proactively and independently identify emerging credit risks.
• Promote an effective risk culture by embodying strong risk management governance. Support consumer credit risk governance structure, including reviewing policies and procedures.
• Demonstrate strong working knowledge of processes and governance requirements involved in making new business decisions to expand credit risk appetite.
• Create monthly reports and presentations summarizing and appraising BL's risk-taking activities for executive IRM leadership.
• Support development and execution of the annual IRM testing and monitoring plan.

The Skills You Bring

Required

• Bachelor's degree required. Preferred in quantitative field, examples include Economics, Analytics, Engineering, Mathematics, Statistics, or Data Science.
• 3+ years relevant analytical experience in consumer underwriting, portfolio management, or credit risk within financial services.
• Proven record of contributing to and leading projects, performing in-depth analysis and presenting key findings.
• Proficient organizational skills and time management abilities. Productive project management skills and ability to independently prioritize tasks.
• Effective presentation and communication skills, including ability to articulate complex problems in a simple manner.
• Strong people skills, adept at building effective connections with others.
• Strong work ethic, ownership, and goal-oriented mentality aiming for a win-win outcome.
• Ability to deal with ambiguity and completing objectives in a fast-paced environment.
• Experience with data visualization business intelligence reporting tools like Power BI, Tableau, or equivalent.
• Strong command of MS Office (PowerPoint, Excel, and Word).
• Quick self-learner and critical thinker.

Preferred

• Prior experience in auto lending and dealer financial services.
• Proficiency in SAS, SQL, Python, or equivalent.
• Master's degree in quantitative field.

#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:

• 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 Ally's Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf

Who 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 www.ally.com.

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

Base Pay Range: $85,000 - $150,000 USD

An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

Incentive Compensation: This position is eligible to participate in our annual incentive plan.