Assoc Analyst Or Analyst- Retail Portfolio Management

Note: This role may be filled at Assoc Analyst (3H) or Analyst (3G) depending on candidate experience and knowledge.

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.

• 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.

Minimum Qualifications

• 1+ 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.
• 4 + years in customer service or financial services industry is needed.
• Prior leadership experience is preferred.
• Education may be used as a proxy for experience.
• Ability to perform technical based activities.
• Knowledge of and exposure to fundamental theories, principles and concepts.
• Leveraging technical expertise and relationships to contribute to strategy and drive business results.
• Proficient in intermediate MS applications (Word, Excel, Access, PowerPoint and Outlook).

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• 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 pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being: 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, 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 assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
• Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
• To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf

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.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@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.