Analyst II - Credit Risk Analytics

Ally•Detroit, MI

1d•$65,000 - $115,000•Hybrid

About The Position

The Analyst II - Credit Risk Analytics executes quantitative analysis, reporting, and portfolio surveillance to identify, measure, monitor, and communicate auto credit risk. The role uses business, technical, and analytical skills to evaluate changing auto credit risk, support Risk Appetite and KRI monitoring, and provide transparency into expected and actual portfolio performance. Through independent reporting and in-depth research, the position contributes to Independent Risk Management’s objective oversight and effective challenge. It assesses portfolio trends, validates key metrics, supports breach commentary and escalation routines, and evaluates alignment with risk appetite, risk limits, and emerging credit-risk priorities. The role is hybrid in Ally’s Detroit, Michigan office, with some remote work; the specific in-office schedule is discussed during hiring and may change based on business needs.

Requirements

At least 1 year of experience in analytics, reporting, risk management, finance, or a related quantitative field.
High school diploma or GED equivalent.
Strong technical and data skills, including experience with SQL and Power BI.
Advanced proficiency with Microsoft Office, including Excel and PowerPoint, and the ability to turn analysis into clean, accurate, executive-ready materials.
Strong analytical, problem-solving, and critical-thinking skills, attention to detail, and ability to identify trends, anomalies, and possible data-quality concerns.
Ability to manage recurring deliverables and ad-hoc requests accurately, in an organized manner, and on time.
Strong written and verbal communication skills, including the ability to explain complex credit-risk topics clearly and concisely to management audiences.
Ability to collaborate 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.

Nice To Haves

Experience in financial services or consumer automotive lending.
Experience with Python, R, Snowflake, SAS, or other data and analytics tools.
Bachelor’s degree, preferably in Statistics, Finance, Accounting, Economics, Business, Computer Science, Data Analytics, Mathematics, or a related quantitative curriculum.
Graduate degree.

Responsibilities

Execute recurring portfolio monitoring and reporting 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 root-cause and action-oriented commentary.
Maintain, improve, and automate repeatable reporting processes and dashboards that show portfolio performance, emerging risks, and business-line strategy impacts.
Use large, complex datasets to produce accurate, well-controlled analysis and reporting.
Review business-line reporting and analysis from an independent risk perspective, identifying trends, anomalies, data-quality issues, and matters for further review or escalation.
Prepare 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 on emerging credit risks, underwriting or pricing strategy impacts, affordability, fraud, vehicle values, delinquency formation, and loss-performance trends.
Collaborate with Independent Risk Management and business-line partners to understand performance drivers, support effective challenge, and communicate risks in a practical, decision-useful manner.

Benefits

At least 20 paid time-off days, 11 paid holidays, and 8 hours of yearly volunteer time off; time off is prorated based on start date and programs vary by full- or part-time status and management level.
401(k) retirement savings plan with matching and company contributions.
Student loan pay-down and 529 education savings assistance programs.
Tuition reimbursement.
Employee stock purchase plan.
Financial learning center and financial coach access.
Medical, dental, and vision insurance options.
Employee, spouse, and child life insurance.
Short- and long-term disability insurance.
Health Savings Account with employer contributions and Healthcare FSA.
Critical illness, accident, and hospital indemnity insurance.
Total well-being program.
Adoption, surrogacy, and fertility assistance.
Paid parental and caregiver leave.
Dependent Day Care FSA, backup child and adult/elder care days, and childcare discounts.
Employee Assistance Program.
Subsidized and discounted Weight Watchers program and other employee discount programs.
Role-dependent travel allowances, relocation assistance, signing bonus, and/or equity.
Annual incentive plan eligibility.