Richard Howarth
About Richard Howarth
Richard Howarth is a Senior Economist at Ally Financial Inc., with a background in economics and extensive experience in risk management and economic research.
Current Position at Ally Financial Inc.
Richard Howarth holds the position of Senior Economist at Ally Financial Inc. He has been with the company since 2014, providing critical economic insights and analyses. His responsibilities include publishing research on labor markets, consumer behavior, housing trends, and credit trends to support the risk and capital markets groups within the organization. He also generates economic scenarios specifically designed for stress testing and creates detailed reports on the U.K. economy as part of the company’s country risk monitoring requirements.
Previous Roles at Bank of America and JPMorgan Chase
Before joining Ally Financial Inc., Richard Howarth served as Vice President at Bank of America from 2004 to 2014. In this role, he was deeply involved in various economic analyses and risk management activities. Prior to that, he worked at JPMorgan Chase as a Risk Officer in Wilmington, Delaware, from 2003 to 2004, where his primary responsibilities included assessing and managing financial risks.
Early Career at Booths Supermarket
Richard Howarth began his career as a Management Trainee at Booths Supermarket in Preston, United Kingdom, where he worked from 1995 to 1998. During this period, he gained valuable experience in management and business operations, laying the foundation for his future roles in economics and finance.
Education and Academic Background
Richard Howarth pursued higher education in economics, attaining a Bachelor of Science (B.Sc.) degree in Economics from The University of Hull, where he studied from 1998 to 2001. He further advanced his academic qualifications by earning a Master of Arts (M.A.) degree in Applied Economics from the University of North Carolina at Greensboro, completing the program in 2002.