Senior Analyst- Credit Risk

General information

Career area Risk Work Location(s) 2911 Lake Vista Drive, TX Remote? No Ref # 20318 Posted Date 08-06-25 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 position is within the Consumer Auto Monitoring and Testing Team and  located in Lewisville TX on a hybrid schedule.

The Senior Credit Risk Analyst is responsible for conducting complex analysis and in-depth research on credit risk management issues across Ally's Consumer 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 adherence to credit risk policies and procedures, credit decisioning methods used, developing and publishing credit 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

• Independently identify, assess, measure, mitigate, control, monitor, test, report, and escalate risks, including aggregated risks across the enterprise
• Responsible for executing annual test plan including validation of issue remediation
• Credibly challenge and advise the Business Lines with respect to the management of risks
• Set the criteria and independently test Business Line credit policy adherence and control effectiveness
• Conduct ad-hoc analytics and manage various other