**General information** **Ref #** 19575 **Remote?** No **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? **The Opportunity** 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. In office role with hybrid schedule - Ally work location is Lewisville TX. At this time, Ally will not sponsor a new applicant for employment authorization for this position. **The Work Itself** * 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. **The Skills You Bring** * 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. **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. But Ally’s total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including: * Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting. * 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 and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs. * Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions 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 support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts. * Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs. 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. Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally. We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at work@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation. **_Base Pay Range:_** An individual's position in the range is determined by 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. **Emerging:** 70000 **Experienced:** 95000 **Expert:** 120000 Incentive Compensation: This position is eligible to participate in our annual incentive plan