Senior Analyst - Retail Price Optimization at Ally Financial
United States
$85k - $150k
<h3> General information </h3> Career area Consumer Analytics Country United States Work Location(s) 500 Woodward Avenue, MI, 601 S. Tryon Street, NC State Michigan City Detroit Remote? No Ref # 21545 Posted Date 01-21-26 Working time Full time <h3> Ally and Your Career </h3> 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?<br/><u>Work Schedule:</u> 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. <h3> The Opportunity </h3> <p>Are you passionate about turning data into actionable insights? Do you thrive on solving complex problems and making a measurable impact? Ally’s Auto Pricing Team is looking for a data-driven professional to help shape the future of auto financing. </p><p>As a Senior Retail Price Optimization analyst, you’ll play a key role in developing, testing, and implementing innovative pricing strategies. Your expertise will help us deliver industry-leading rates while maximizing value for both our customers and our business. You will have the opportunity to dive deep into large datasets to analyze current rate structures and uncover opportunities for optimization, mo<span>nitor origination and application trends, identifying patterns and forecasting future performance, </span><span>collaborate with cross-functional teams to design and execute scenario testing, ensuring our pricing strategies are both competitive and effective, a</span><span>pply advanced analytics and portfolio analysis to support special projects and drive continuous improvement, and m</span><span>aintain rigorous data governance and risk controls throughout all processes. If you’re ready to leverage your analytical expertise to help shape the future of auto pricing at Ally, we’d love to hear from you!</span></p><p><span><em>At this time, Ally will not sponsor a new applicant for employment authorization for this position</em></span></p><p></p> <h3> The Work Itself </h3> <p><span>In this role you will help us make data driven decisions by:</span></p> <ul type="disc"> <li><span>Analyze current rate structures looking for opportunities to optimize and propose changes.</span></li> <li><span>Monitor current origination and application trends to identify patterns/trends and using them to forecast out expected run rates.</span></li> <li><span>Perform portfolio analytics, special projects, drill down analysis and other duties as needed.</span></li> <li><span>Apply sound control processes into all processes to effectively identify, assess, and manage risk.</span></li> <li><span>Optimize and streamline processes for continuous improvement.</span></li> <li><span>Understand competitive environment and other drivers of economics to optimize returns</span></li> <li><span>Maintain proper governance controls for any changes proposed to rate matrices.</span></li> <li><span>Demonstrate strong working knowledge of documents and processes involved in the extension of Consumer credit.</span></li> <li><span>Effectively prioritize workload and manage numerous projects concurrently.</span></li> <li><span>Accountability for results, performance, and continuous improvement.</span></li> </ul> <h3> The Skills You Bring </h3> <ul> <li><span>3+ years of data analytics experience in the Financial Services industry (preferably in auto consumer) is required</span></li> <li><span>Experience coding in SQL, DBT (Data Build Tool), or Python required</span></li><li><span>Knowledge of general financial concepts – P&L calculations, amortization schedules, basic understanding of interest rates, proforma models required</span></li> <li><span>Demonstrated experience in self-assessments, including process documentation, and strong data analysis skills.</span></li><li><span><strong>Demonstrated strong critical thinking skills with a solution-oriented approach to problem solving.</strong></span></li> <li><span>Ability to prioritize and multi-task with strong planning and organizing abilities including process improvements.</span></li> <li><span>Leveraging expertise and relationships to contribute to strategy and drive business results.</span></li> <li><span>Excellent written and verbal communication skills.</span></li> <li><span>Proven track record of influencing decisions with great analytics and financial models</span></li> <li><span>Strong work ethic, ownership, and goal-oriented mentality</span></li> <li><span>Proficiency in Microsoft Office applications (Word, Excel, PowerPoint).</span></li><li><span>Bachelor's degree required with related field - </span>MIS or Data Management experience is strongly preferred.</li></ul> <h3> How We'll Have Your Back </h3> <p>Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:</p><ul><li><strong>Time Away:</strong> 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).</li><li><strong>Planning for the Future:</strong> 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.</li><li><strong>Supporting your Health & Well-being:</strong> 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.</li><li><strong>Building a Family:</strong> 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.</li><li><strong>Work-Life Integration:</strong> other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.</li><li><strong>Other compensations:</strong> depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.</li><li>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</li></ul> <p><strong><u>Who We Are:</u></strong></p> <p>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.</p> <p>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.</p> <p>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.</p> <strong><u>Base Pay Range</u></strong>: $85000 - $150000 USDAn individual's position in the range is determined by the specific role, 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. Incentive Compensation: This position is eligible to participate in our annual incentive plan.
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