Manager / Senior Manager, Predictive Modeling and Machine Learning

Credit Acceptance is proud to be an award-winning company with local and national workplace recognition in multiple categories! Our world-class culture is shaped by dedicated Team Members who share a drive to succeed as professionals and together as a company. A great product, amazing people and our stable financial history have made us one of the largest used car finance companies nationally.

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 / Senior Manager leads complex modeling initiatives and drives innovation in machine learning and data science. The Manager / 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, expert-level hands-on model development, deep technical expertise, mentorship, and business acumen to elevate the organization’s analytics capabilities.

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 :

Master’s or Ph.D. in a quantitative field

5+ years of experience in predictive modeling and analytics (Manager)

8+ years of experience in predictive modeling and analytics (Senior Manager)

5+ years of experience applying ML in production environments (Manager)

6+ years of experience applying ML in production environments (Senior Manager)

Advanced proficiency in Python, SQL, and statistical tools (e.g. R, SAS)

Experience with cloud platforms and MLOps tools (Senior Manager)

Demonstrated leadership in cross-functional initiatives

Thought leader with strong communication and stakeholder management skills

Preferred :

Experience in consumer lending

Experience with model governance, explainability, and responsible AI

Experience with cloud platforms and MLOps tools (Manager)

Targeted Compensation :

Manager : $158,975 - $233,163 base salary + an annual bonus plan

Senior Manager : $184,354 - $270,386 base salary + an 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.