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Portfolio Risk Analytics Manager
Ally
Lewisville, TX, United States
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Ally Requisition #
18-6212
Job Description
Ally Overview
Ally Financial Inc. is a leading automotive financial services company powered by a top direct banking franchise with the opportunity, experience and people to redefine the industry.
Ally's automotive services business offers a full suite of financing products and services, including new and used vehicle inventory and consumer financing, leasing, inventory insurance, commercial loans and vehicle remarketing services. Ally Bank, the company's direct banking subsidiary and member FDIC, offers an array of deposit products, including certificates of deposit, savings accounts, money market accounts, IRA deposit products and interest checking. Ally's Commercial Finance unit provides financing to middle-market companies across a broad range of industries.
Position Description
At Ally, every individual is a risk manager. In alignment with our risk culture, this position will ensure the appropriate identification, assessment, and measurement of risk related to the Consumer Auto portfolio. When necessary, identified risks will be escalated to the appropriate channels to ensure reasonable resolution.
The Portfolio Risk Analytics Manager is responsible for leading complex analysis and in-depth research on credit risk management issues across Ally's Consumer Auto portfolio. The analysis and research includes developing and publishing risk related reporting on portfolio trends and measures and drafting presentations to communicate conclusions to all levels of management. The ideal candidate must be a self-motivated person with solid business acumen, curiosity and a keen desire to build the risk analytics team.
Job Responsibilities
• Promote a strong risk culture by using constructive dissent to appropriately challenge using data and analysis.
• Build and develop a team of Portfolio analysts to monitor and analyze Portfolio Health for Ally Auto-Finance
• Develop and maintain strong working relationships with internal business partners
• Perform detailed analysis of portfolio trends and develop a comprehensive end to end understanding of Portfolio, cutting across Originations and Servicing
• Drive appropriate analytics to proactively identify issues and red flags
• Escalate concerns to related Business leadership in a timely manner
• Report Credit Policy exceptions and their performance
• Provide meaningful data insights and perform AD-Hoc analyses as required
• Manage the development of reporting structures, including Visual tools, and routines to help with monitoring Portfolio Health
• Work cross functionally with Originations, Risk and & Business Operations to create and compile storyboards and decks to provide guidance to C-Level executives via business reviews.
• Support the development and refinement of the Risk Appetite Statement by developing, maintaining, and implementing Consumer Auto Portfolio risk appetites that align with the enterprise.
Qualifications:
Required:
• Bachelor's degree in Finance, Economics , Mathematics or Statistics
• Ability to think strategically, use sound judgement, and balance short and long- term risk decisions
◦ Comfortable with appropriate challenge and escalation
◦ Problem solving, decision making, and ability to translate strategy into action
◦ Proven ability to manage issues through to resolution; skilled at making sound judgment calls
◦ Strong organizational and communication skills, with the ability to communicate at all levels within the organization
◦ 5+ years of experience in managing a team of analysts
◦ Understanding of data mining and analytical techniques
◦ Outstanding analytical, problem-solving and organizational skills
◦ Superior written & verbal communication skills & ability to present material in a clear & concise manner
◦ Strong data-driven story telling skills
◦ Minimum 2 years of practical experience working with large datasets with SAS and/or SQL knowledge
◦ Anility to work effectively with multiple teams across the organization
◦ Candidate must have strong attention to detail
◦ Ability to manage multiple work streams and competing priorities
◦ Experience building strong partnerships / relationships
◦ Knowledge of visual analytic tools like Tableau, Power-BI etc.
◦ Excellent knowledge of MS Office tools, including Excel, PowerPoint, Word etc.
Preferred:
• MBA or Master's degree in Finance, Economics , Mathematics or Statistics, MBA a plus
• 5+ years of Consumer Finance industry experience, (e.g. auto, card, mortgage etc.)
• Advanced experience in data mining and analytical techniques
Total Rewards Information
Ally's compensation program offers market-competitive base pay and bonus pay potential based on achieving personal and company goals. Plus, we have a flexible paid-time-off program with an emphasis on work-life balance. Ally offers a variety of benefits to protect your health and well-being, provide financial security and balance your work/life needs including:
• Industry-leading 401K Retirement Savings Plan including Matching and Company Contributions
• Comprehensive wellness program and wellness rewards to help you reach your personal health goals
• Flexible health insurance options including dental and vision
• Pre-tax health savings, dependent care and commuter transit accounts
• Life and disability benefits
• Other work/life benefits including tuition reimbursement, adoption assistance, weight watchers and employee discount programs.
Ally extends equal employment opportunities to qualified applicants and employees on an equal basis regardless of an individual's age, race, color, sex, religion, national origin, disability, veteran status
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