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Company name : Ally Financial
Location : Wilmington, DE 19801
Position : Principal, Advanced Business Analytics (Credit Strategy)
1000 N. West Street, Wilmington, DE
Thursday, June 9, 2022
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?
This role will be responsible for strengthening the strategy governance, reporting and controls environment for the Ally Card credit strategy. This is a key role that supports the strategic mission to grow the card business in a well-governed and sustainable manner.
Ally announced the acquisition of Fair Square Financial, a digital-first credit card provider, in October of 2021. Ally Credit Card is a team that has combined the experience of seasoned talent from across the card industry with advanced analytical and machine learning techniques to develop and optimize our business. Our integrated and entrepreneurial team built the business up from scratch in 2016 to 1MM plus customers, with significant growth opportunities in the future. This is your opportunity to join our diverse and innovative Ally Credit Card team as we focus on growing the business and delivering compelling products that focus on doing the right thing for our customers.
The Work Itself
Drive credit strategies for existing credit card customers. Strategy treatment areas include Credit Line Increase, Closure, Multicard, Product Upgrades, Balance Build, Purchase Stimulation and Retention
Maintain close integration with Acquisition Strategy counterparts to ensure a tight feedback loop across Acquisition and Portfolio Valuations and Strategies.
Partner with Decision Science/Modeling partners to influence the statistical model development to be used in portfolio strategies
Advance an integrated test-and-learn agenda in concert with the Marketing functions, that seeks to optimize the outcomes
Develop and implement analytical frameworks to monitor empirical results of various test and roll-out programs.
Conduct ad-hoc analyses to drive insights on performance and identify opportunities to optimize the strategy.
Manage and update valuation models that estimate the unit economics at a highly granular level. Estimate and frequently update the loss and revenue curves for various segments to continually improve the accuracy of valuations and the associated strategies
The Skills You Bring
Bachelor’s degree in a quantitative field with 3+ years of analytical experience (or Master’s with 2+ years) in a high-impact role using data to make decisions
High degree of expertise with SQL, Excel, and PowerPoint
Expertise with Python, Tableau, or other data analysis tools
Understanding of unsecured credit as well as extensive knowledge of financial analysis, effective risk management practices, and analytical methodologies
Experience in financial services or consulting or corporate strategy
The candidate must be extremely comfortable working hands-on with large analytical datasets to perform complex analysis and extract business insights
Demonstrated ability to learn rapidly and solve problems dynamically
Self-starter; comfortable with ambiguity and open-ended problems
Excellent verbal, written, and interpersonal communication skills
High degree of initiative with a strong drive for results
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 firstname.lastname@example.org. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.
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