Director, predictive modeling and machine learning

Credit Acceptance is proud to be an award-winning company recognized both locally and nationally across multiple workplace categories. Our world-class culture is shaped by dedicated team members who are driven to succeed as professionals individually and together as a team. Backed by a strong product, exceptional people, and a stable financial foundation, we’ve grown into a leading provider of used and new car financing across the country.

Our Engineering and Analytics Team Members utilize the latest technology to develop, monitor, and maintain complex practices that help optimize our success. Our Team Members value being challenged, are encouraged to express their ideas, and have the flexibility to enjoy work life balance. We build intrinsic value by partnering with all functions of our business to support their success and make strategic business decisions. We focus on professional development and continuous improvement while enjoying a casual work environment and Great Place to Work culture!

The Director is a strategic, senior-level individual contributor who defines and drives the modeling strategy across credit risk, servicing, and collections. This role combines deep technical expertise with business acumen and cross-functional influence. While not initially a people manager, the Director may lead initiatives and mentor others, with potential to transition into formal leadership.

Outcomes and Activities

• Define and execute the strategic roadmap for predictive modeling and machine learning
• Lead cross-functional initiatives integrating analytics into business processes
• Oversee development, deployment, and monitoring of high-impact models
• Serve as a strategic advisor to senior leadership on data strategy and innovation
• Represent Predictive Analytics in regulatory, audit, and governance forums
• Foster partnerships across the organization

Requirement:

• Ph.D. or Master’s in a quantitative discipline
• 10+ years of experience in predictive modeling and machine learning
• 6+ years of experience leading strategic initiatives or mentoring senior-level peers
• Deep expertise in credit risk modeling and ML techniques
• Advanced proficiency in Python, SQL, and statistical tools (e.g., R, SAS)
• Strong understanding of cloud architecture and model lifecycle management
• Proven ability to influence senior stakeholders
• Experience with regulatory compliance in financial services

Preferred:

• Experience in auto finance or consumer lending
• Expertise with cloud platforms (AWS, Azure, GCP, etc.) and MLOps tools (MLflow, Kubeflow, etc.)

Target Compensation:

$250,513 - $292,265 base salary + annual bonus

This position is not currently open to individuals who require sponsorship now or in the future to work legally for Credit Acceptance, such as H-1b / H-4 or F-1 OPT visa holders. #LI-Remote #zip

Benefits

Excellent benefits package that includes 401(K) match, adoption assistance, parental leave, tuition reimbursement, comprehensive medical/ dental/vision and many nonstandard benefits that make us a Great Place to Work

Our Company Values:

To be successful in this role, Team Members need to be:

• Positive by maintaining resiliency and focusing on solutions
• Respectful by collaborating and actively listening
• Insightful by cultivating innovation, accumulating business and role specific knowledge, demonstrating self-awareness and making quality decisions
• Direct by effectively communicating and conveying courage
• Earnest by taking accountability, applying feedback and effectively planning and priority setting

Expectations:

Remain compliant with our policies processes and legal guidelines. All other duties as assigned. Attendance as required by department.

Advice!

We understand that your career search may look different than others. Our hiring team wants to make sure that this would be a fit not just for us, but for you long term. If you are actively looking or starting to explore new opportunities, send us your application!

P.S. We have great details around our stats, success, history and more. We’re proud of our culture and are happy to share why – let’s talk!

Required degrees must have been earned at institutions of Higher Education which are accredited by the Council for Higher Education Accreditation or equivalent. Credit Acceptance is dedicated to providing a safe and inclusive working environment for all. As part of our Culture of Compliance, we are proud to be an Equal Opportunity Employer and value our culturally diverse workforce. All qualified applicants will receive consideration for employment regardless of the person’s age, race, color, religion, sex, gender, sexual orientation, gender identity, national origin, veteran or disability status, criminal history, or any other legally protected characteristic.

California Residents: Please click here for the California Consumer Privacy Act (CCPA) notice regarding the personal information Credit Acceptance may collect from you.

Play the video below to learn more about our Company culture. At Credit Acceptance, we celebrate what makes each of us unique. We want every Team Member to feel comfortable bringing their authentic self to work — because diverse perspectives make us stronger. Our inclusive culture and flexible opportunities help each person find the right balance between work and life, in a way that fits them best.

Credit Acceptance offers Team Members:

• Flexible work options including work from home, on site and hybrid positions
• Company provided technology packages for all Team Members
• An atmosphere that is collaborative, challenging, and filled with forward thinking Team Members
• Extensive growth opportunities as demonstrated by our track record of promoting internally
• Ongoing business training and career development opportunities
• Competitive market-based salary with bonus compensation, quarterly profit sharing and annual merit bonuses
• Generous PTO and holidays that include 27.5 total days during first full year of employment
• Excellent benefits package that includes 401(K) match, adoption assistance, parental leave, tuition reimbursement, comprehensive medical/ dental/vision and many nonstandard benefits that make us a Great Place to Work

To learn more about who we are and what makes us a Great Place to Work, follow this link! Click here to see our Company in action! If you are a current Credit Acceptance Team Member, click here to apply.