Associate Analyst - Portfolio Management

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? Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.

As a part of the Dealer Portfolio Management team, the Analyst is responsible for Portfolio Risk Management and identifying growth and profit opportunities. Responsibilities may include dealer interface/service; continuous monitoring of company Dealer lending portfolios; concentrating on areas of risk and loss prevention. Requires critical analysis and frequent contact with dealership personnel, matrix partners and outside stakeholders. Must comply with strict adherence to company risk management policies and guidelines. Incumbent is in the process of developing basic skills. Almost all activities are transaction oriented (and not related to new business). A significant portion of time is spent on basic work (e.g., due diligence, document processing, financial/ statistical analysis).

The Work Itself

Monitor and manage assigned portfolio through data obtained from both internal and external sources. Conduct proactive risk recognition. Manage exposure utilizing current company risk management policies, procedures and guidelines. Develop appropriate action plans to mitigate risk and resolve outstanding issues. Ensure wholesale credit lines are appropriate based on credit factors, sales rates, inventory turnover and seasonal/market fluctuations; ensure outstanding remain within established credit lines at all times. Manage exposure utilizing current company risk management policies, procedures and guidelines. Execute all action plans and contingencies. Prepare and participate in Risk and Opportunities Meetings (ROM). Use a collaborative approach with other business units including Administration, Risk, Sales, and Underwriting. Identify growth opportunities within portfolio and leverage Business Development for revenue growth. Maximize corporate profitability and ROE.

The Skills You Bring

0+ years of experience High school Diploma or GED equivalent Preferred Qualifications HS diploma or equivalent required. Associate / Bachelor's degree in business related discipline preferred. 3 + years in financial services or similar industry is needed. Prior leadership experience is preferred. Education may be used as a proxy for experience. Perform technical tasks required to support ongoing business operations. Skilled technician in a hands-on environment, often highly specialized. Typically requires advanced knowledge of Microsoft Office Programs. Strong financial analysis and analytic/problem solving skills required.

How We'll Have Your Back

Ally's compensation program offers market-competitive base pay and