Senior Manager/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!

This role leads complex modeling initiatives and drives innovation in machine learning and data science. The Senior Manager designs and deploys advanced statistical and ML models that inform strategic decisions across credit risk, collections, and operations. While formal people management may not be required, the role demands strong leadership, deep technical expertise, mentorship, and business acumen to elevate the organization's analytics capabilities.

Outcome and Activities

• This position will work from home; occasional planned travel to our Southfield, Michigan office may be required. However, this position is permitted to work at our Southfield, Michigan office if requested by the team member.
• Lead the design and deployment of predictive models for credit risk, collections, and operations (Senior Manager)
• Integrate advanced ML techniques (e.g., ensemble models, deep learning, NLP) (Senior Manager)
• Mentor and support junior and peer-level data scientists (Senior Manager)
• Promote adoption of modern data science tools and platforms (Senior Manager)
• Present insights to senior and cross-functional stakeholders (Senior Manager)
• Drive experimentation with emerging techniques (e.g., causal inference, GenAI) (Senior Manager)
• Define and execute the strategic roadmap for predictive modeling and machine learning (Director)
• Lead cross-functional initiatives integrating analytics to business processes (Director)
• Oversee development, deployment, and monitoring of high-impact models (Director)
• Serve as a strategic advisor to senior leadership on data strategy and innovation (Director)
• Represent Predictive Analytics in regulatory, audit, and governance forums (Director)
• Foster partnerships across the organization (Director)

Requirements:

• Master's or Ph.D. in a quantitative field
• 8+ years of experience in predictive modeling and analytics (Senior Manager)
• 10+ years of experience in predictive modeling and machine learning (Director)
• 6+ years of experience applying ML in production environments (Senior Manager)
• 6+ years of experience leading strategic initiatives or mentoring senior-level peers (Director)
• Advanced proficiency in Python, SQL, and statistical tools (e.g., R, SAS)
• Deep expertise in credit risk modeling and ML techniques (Director)
• Experience with cloud platforms and MLOps tools (Senior Manager)
• Thought leader with strong communication and stakeholder management skills (Senior Manager)
• Strong understanding of cloud architecture and model lifecycle management (Director)
• Proven ability to influence senior stakeholders (Director)
• Experience with regulatory compliance in financial services (Director)

Preferred:

• Experience in consumer lending
• Experience with model governance, explainability, and responsible AI (Senior Manager)
• Experience with cloud platforms (AWS, Azure, GCP, etc.) and MLOps Tools (MLflow, Kubeflow, etc.) (Director)

Targeted Compensation:

Senior Manager: $221,225 - $259,096 base salary + annual bonus plan

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

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.

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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

To create an environment where people do their best work, we focus on the dimensions of Organizational Health. All leaders must:

• Identify the Right People by recognizing top talent
• Set Clear Expectations by managing change and directing others
• Train team members and focus on developing talent
• Performance Manage by ensuring accountability and driving results
• Create the Right Environment by establishing trust and managing conflict
• Maintain the Right Number of team members needed to build an effective team

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.