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!
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.
Skills Required
- Bachelor's degree in a quantitative discipline (accredited institution)
- 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 and SQL
- Proficiency with statistical tools (R, SAS)
- Strong communication and stakeholder management skills
- Must not require visa sponsorship now or in the future
- Ph.D. or Master's in a quantitative discipline
- Experience with model governance, explainability, and responsible AI
- Experience in consumer lending
Credit Acceptance Corporation Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Credit Acceptance Corporation and has not been reviewed or approved by Credit Acceptance Corporation.
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Fair & Transparent Compensation — Pay is described as competitive and fair for the role, and overall compensation is framed as a clear strength. Total compensation is also positioned as strong relative to comparable employers, reinforcing perceived fairness.
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Strong & Reliable Incentives — Bonuses, profit sharing, and performance-based commission are repeatedly highlighted as meaningful add-ons to base pay. Incentive opportunities are presented as especially attractive in sales and market-facing roles, including uncapped earning potential.
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Healthcare Strength — Health coverage is portrayed as comprehensive, spanning medical, dental, vision, life, and disability protections. Day-one eligibility is emphasized as a differentiator that increases the practical value of the package.
Credit Acceptance Corporation Insights
What We Do
Our people and culture create a positive workplace that drives us to succeed. Working together as a team has resulted in many national workplace awards, including Fortune magazine’s annual “100 Best Companies to Work For” list for 7 consecutive years. We’ve also been named to IDG's Computerworld Best Places to Work in IT-Midsize category for the past five years. Based on 2021 survey data, 92% of our team members believe Credit Acceptance is a Great Place to Work (GPTW). At Credit Acceptance, we are passionate about what we do. Our team members are intelligent, motivated, compassionate people who work hard and know how to have fun. We offer a strong work-life balance with many great benefits that start on day one. We focus first and foremost on striving to make our Company as valuable as possible, because we know it is the core of our success. Our team members are motivated by their desire to “Change Lives,” as well as by their fellow colleagues, Company leaders, competitive compensation, and career advancement opportunities. Loans made or arranged pursuant to a California Finance Lenders Law license.
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