Joshua Houghton, MBA, Cpcu
About Joshua Houghton, MBA, Cpcu
Joshua Houghton, MBA, Cpcu, is an Insurance Risk Manager at Ally in the Greater Detroit Area with extensive experience in risk analysis and management.
Insurance Risk Manager at Ally
Joshua Houghton currently holds the position of Insurance Risk Manager at Ally, a role he has been in since 2018. In this position, he is responsible for developing and implementing insurance risk appetites that align with the enterprise's Risk Appetite Statement. His work involves engaging directly with business lines to understand their offerings, processes, and procedures while maintaining the necessary independence for effective challenge responsibilities.
Past Roles at Ally
Before becoming the Insurance Risk Manager at Ally, Joshua Houghton held several key positions within the company. He served as a Senior Enterprise Risk Analyst from 2017 to 2018, a Senior Economic Capital and Risk Appetite Analyst from 2016 to 2017, a Pricing Analyst from 2014 to 2016, and a Retail Underwriter from 2013 to 2014. In each role, he contributed to various aspects of risk management, pricing analysis, and underwriting, gaining comprehensive experience in the insurance and financial services industry.
Experience as Retail Credit Analyst at TD
Joshua Houghton worked as a Retail Credit Analyst at TD from 2012 to 2013 for eight months. In this role, he was involved in assessing credit risks, analyzing retail credit applications, and ensuring adherence to credit policies. His experience at TD provided him with a strong foundation in credit analysis and risk assessment.
Educational Background
Joshua Houghton earned his Master's of Business Administration (MBA) in Finance and Management from Wayne State University, where he studied from 2013 to 2015. Prior to that, he completed a Bachelor's Degree in Business Administration with a focus on Finance at Central Michigan University from 2009 to 2011. He also holds an Associate's Degree in Business Administration from Oakland Community College, which he achieved from 2006 to 2009.
Professional Contributions
In his professional journey, Joshua Houghton has been instrumental in establishing processes for independent monitoring and testing of business line controls and processes, ensuring timely execution and completion of responsibilities. His effort in developing and implementing insurance risk appetites has been crucial for aligning business practices with the enterprise's Risk Appetite Statement, enhancing overall risk management capabilities.