Director, 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 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 :

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.

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

Requirements :

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.)

Targeted Compensation : $208,761 - $306,182 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.