Senior Data Analyst- Credit Risk

Ally Financial • Lewisville, TX

297d • Onsite

About The Position

The Senior Credit Risk Data Analyst is responsible for conducting analysis and in-depth research on credit risk management topics across Ally's 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 credit risk policies and procedures, risk rating methods used, and the associated risk ratings assigned, developing and publishing 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.

Requirements

• 3+ years SAS/SQL coding experience required
• Financial services industry preferred, specifically in auto lending or an Internal Audit role
• Prior experience using SAS/SQL to pull and analyze data, and having the ability to document and present findings to various levels, including leadership
• Prior experience writing issues and reports
• Underwriting, Servicing, and/or QC/QA experience is a plus
• Strong familiarity with risk and control concepts
• Demonstrated ability to work collaboratively and effectively at all levels of the organization
• Ability to develop and execute policy testing and monitoring strategies of consumer auto portfolio preferred
• Good organizational skills with the ability to work independently and initiate proactively
• Ability to support multiple assignments and stakeholders, self-prioritize workload, and coordinate with teammates to ensure that deadlines are met

Responsibilities

• Support and execute a risk-based annual testing and monitoring plan; report on results and escalate issues as necessary
• Support the identification, evaluation and recommend detailed risk limits that are consistent with Ally's Risk Appetite and commensurate with Ally's risk profile
• Support the team in data gathering and analysis, using technical tools such as SAS or SQL
• 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 Lines (BL) with respect to the management of risks
• Set the criteria for testing the effectiveness of controls and independently test the effectiveness of controls
• Participate in advising management on the suitability of risk exposures relative to the Risk Appetite Statement and risk limits
• Document (i.e. formal report) and articulate areas of concern to the Business
• Perform ad-hoc analysis and reporting as requested by management
• Assess credit policy and procedural change requests from Underwriting and Servicing organizations
• 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
• 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
• Other employee discount programs

What This Job Offers

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