Senior Credit Risk Analyst

Ally Financial • Lewisville, TX

256d • Onsite

About The Position

The Senior Credit Risk Analyst is responsible for aiding the Independent Risk Management (IRM) Testing and Monitoring Team in evaluating Ally's Consumer Auto portfolio. IRM's responsibilities include providing an objective, critical assessment of risks and evaluation of whether Ally remains aligned with its risk appetite. Responsibilities for this position primarily include reviewing and evaluating adherence to credit risk policies. The Senior Credit Risk Analyst will be responsible for summarizing and communicating test results to the Director - Credit Risk. 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. This position is within the IRM Credit Risk Consumer Auto Monitoring and Testing Team.

Requirements

• 3+ years in the financial services industry required, preferably in auto lending or an Internal Audit role
• Prior experience writing Issues and reports
• Underwriting and or Audit experience preferred
• Ability to develop and implement policy testing and monitoring strategies of consumer auto portfolio
• Strong familiarity with risk and control concepts
• Effective collaboration at all levels of the organization
• Good organizational skills with the ability to work independently and initiate proactively
• Ability to support multiple assignments and collaborators, self-prioritize workload, and coordinate with teammates to ensure that deadlines are met

Responsibilities

• Support and complete a risk-based annual testing and monitoring plan; report on results
• Work with the broader Monitoring and Testing team to identify, assess, measure, mitigate, control, monitor, test, report, and escalate risks, including aggregated risks across the enterprise
• Credibly challenge and advise the Business Line with respect to the management of risks
• Independently test the efficiency of controls
• Document (i.e., formal report) and articulate areas of concern to the Business
• Participate in the review and challenge of BL credit policies, standards, and procedures.

Benefits

• 11 paid holidays
• 20 paid time off days
• 8 hours of volunteer time off, yearly
• 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
• 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
• Total well-being program
• Adoption, surrogacy and fertility assistance
• Paid parental and caregiver leave
• Dependent Day Care FSA
• Back-up child and adult/elder care days
• Childcare discounts
• Mentally Fit Employee Assistance Program
• Subsidized and discounted Weight Watchers® program
• Travel allowances, relocation assistance, a signing bonus and/or equity may be available depending on the role

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Credit Intermediation and Related Activities