Manager, 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 Manager of Predictive Modeling & Machine Learning will lead the development and deployment of statistical and machine learning models that drive strategic decision-making across credit risk, collections, and business operations. This role combines expertise in traditional predictive modeling with modern ML techniques and MLOps practices. The ideal candidate will be an expert-level hands-on modeler with strong technical skills and business acumen.

Outcomes and Activities:

• This position will work from home; occasional planned travel to an assigned Southfield, Michigan office location may be required. However, this position is permitted to work at a Southfield, Michigan office location if requested by the team member.
• Lead the design and deployment of predictive models for credit risk, collections, and operations.
• Integrate advanced ML techniques (e.g., ensemble models, deep learning, NLP).
• Mentor and support junior and peer-level data scientists.
• Promote adoption of modern data science tools and platforms.
• Present insights to senior and cross-functional stakeholders.
• Drive experimentation with emerging techniques (e.g., causal inference, GenAI).

Requirements:

• Bachelor's degree in a quantitative discipline.
• 5+ years of experience in predictive modeling and analytics.
• 5+ years of experience applying ML in production environments.
• Demonstrated leadership in cross-functional initiatives.
• Advanced proficiency in Python, SQL, and statistical tools (e.g., R, SAS).
• Strong communication and stakeholder management skills.

Preferred:

• Ph.D or Master's in quantitative discipline.
• Experience with model governance, explainability, and responsible AI.
• Experience in consumer lending.

Targeted Compensation: $158,000 - $170,000 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

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.