Analyst II - Credit Risk Analytics

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 love 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 schedule in our Detroit, MI office, in a few days per week with some remote work.

Responsible for executing quantitative analysis, reporting, and portfolio surveillance to identify, measure, monitor, and communicate auto credit risk.

This role will leverage business, technical, and analytical skills to evaluate the evolving nature of auto credit risk, support Risk Appetite and KRI monitoring, and create transparency into expected and actual portfolio performance.

Through analysis, independent reporting, and in-depth research, this role will contribute to Independent Risk Management’s responsibility to provide objective oversight and effective challenge. This role will help assess portfolio trends, validate key metrics, support breach commentary and escalation routines, and evaluate whether Ally remains aligned with its risk appetite, risk limits, and emerging credit-risk priorities.

 The Work Itself

Job Responsibilities

Execute recurring portfolio monitoring and reporting processes across the consumer auto lifecycle, including originations, vintage performance, delinquencies, losses, proforma 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

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
• Ability to work collaboratively with teammates, business partners, and stakeholders while developing independent analysis and judgment
• Curiosity and willingness to learn about auto finance, risk appetite, portfolio performance, credit policy, forecasting, and emerging consumer credit risks
• Education level: Bachelor's Degree preferably in Statistics, Finance, Accounting, Economics, Business, Computer Science, Data Analytics, Mathematics, or a related quantitative curriculum; Graduate Degree preferred
• 
 Minimum Qualifications
• 1+ years of experience
• High school Diploma or GED equivalent
• 
 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.
• In accordance with the Americans with Disabilities Act, if after review of the position expectations, you believe that you may need a medical accommodation to fulfill the duties of this role, please email hrpolicy@ally.com with details of your accommodation request.


 Base Pay Range

$65,000.00 - $115,000.00
 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.