Data Scientist | 2027 Start

American Credit Acceptance; Spartanburg (SC); On-site; USD 90,000 - 130,000; Full time

Job summary

American Credit Acceptance is seeking a Data Scientist to join our analytics team in Spartanburg, SC. The role targets graduates entering full-time work in 2027, using advanced analytics and machine learning to uncover insights and drive business impact.

As a Data Scientist, you will work across pricing, forecasting, and analytics domains with a focus on developing and deploying predictive models. You will collaborate with IT, Operations, and Finance to ensure model feasibility and value.

Qualifications

• Bachelor's degree in Mathematics, Statistics, or a related analytical field with GPA 3.4 or higher.
• Experience validating and monitoring models using statistical techniques and KPIs.
• Exceptional written and verbal communication for technical and non-technical audiences.
• Ability to manage multiple projects and prioritize by impact.
• Ability to quickly assess problems and derive practical solutions within a business context.

Responsibilities

• Analyze large amounts of structured and unstructured data using statistical methods to inform pricing, forecasting, and analytics.
• Develop and validate predictive models using techniques like regression, trees, boosting, and neural networks.
• Utilize Python, R, SQL, and Tableau to extract data and deploy models.
• Collaborate with Operations, Legal, IT, Finance, and other teams to apply statistical methods.
• Monitor model performance and recalibrate as needed to maintain business value.
• Prepare clear written recommendations and present results to senior leadership.

Skills

Statistical analysis

Communication

Problem solving

Education

Bachelor's degree in Mathematics/Statistics

Tools

Python

R

SQL

Tableau

Scikit-learn

Job description

Launch your career with us! We’re looking for students graduating between Fall 2026 and Summer 2027 who are ready to jump in and start full-time in 2027. Are you driven to uncover insights and solve complex problems using advanced analytics and machine learning? If so, launch your career with us as a Data Scientist!

Launch your career with us! We’re looking for students graduating between Fall 2026 and Summer 2027 who are ready to jump in and start full-time in 2027. Are you driven to uncover insights and solve complex problems using advanced analytics and machine learning? If so, launch your career with us as a Data Scientist!

About American Credit Acceptance

American Credit Acceptance is a leading auto finance company known for its innovative solutions and commitment to excellence. We today manage over $7 billion in assets with operating in all 50 states We pride ourselves on our dynamic work environment, collaborative culture, and dedication to continuous improvement.

As a Data Scientist you will have the chance to make a significant impact on our organization's growth and success. Come join us to explore and learn, and accelerate your career growth.

We are proudly headquartered in Spartanburg, SC. Nestled in the foothills of the Blue Ridge Mountains, we are in close proximity to sandy beaches and an easy drive to Charlotte, Charleston or Atlanta. Spartanburg has also been recognized by US News and World Report as one of the top places to live and the 12th in fastest growing city.

Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Analyze large amounts of structured and unstructured data using scientific methods and algorithms to develop knowledge and insights and improve business performance in impact areas including pricing modeling, financial returns, web analytics, call analytics, speech analytics, fraud analytics, forecasting, and auction analysis.
• Understand and apply mathematical theory by developing and leveraging predictive models, boosted models, decision trees/Random forests, Support Vector Machine (SVM), neural networks/deep learning, regression modeling, experimental design, and other techniques.
• Leverage R, Python, SQL, Tableau, and other quantitative analytical techniques to extract and manipulate data, as well as to develop, analyze, validate, and deploy predictive models.
• Engage across functional areas, including Operations, Legal, Compliance, Informational Technology, Vendor Management, and Finance to develop an understanding of fields to which statistical methods are to be applied and to determine which methods and results are appropriate.
• Leverage statistical models and collaborate closely with technology and business groups to analyze operational feasibility, implementation, and production integration.
• Develop profitability analyses to assess the financial value of new models.
• Develop monitoring of model inputs, sampling techniques, and performance and make changes to models when needed.
• Create statistically derived tests to grow business knowledge and measure the impact of hypotheses.
• Research and evaluate advanced statistical techniques using machine learning and artificial intelligence techniques to advance knowledge and pursue new approaches.
• Report results of statistical analyses and present written recommendations in a clear manner to senior executives.
• Consistently consider, and follow, ACA’s Guiding Principles

Qualifications

• Bachelor’s or higher degree (or its equivalent) in Mathematics, Statistics, or a related analytical field with exceptional academic performance (3.4 or higher GPA)
• Experience validating and monitoring models using statistical techniques and KPIs relevant in a business environment
• Exceptional written and verbal communication, specifically, the ability to convey results to both technical, and non-technical, audiences effectively
• Ability to manage multiple projects/tasks and prioritize them based on impact
• The ability to quickly assess problems and find workable solutions within a business framework (understanding that added complexity does not always lead to added performance)

Guiding Principles

To succeed in this role, you’ll demonstrate ACA’s core values: Integrity, Partnership, Humility, Principled Entrepreneurship, Initiative, and Fulfillment.

Work Environment and Physical Demands

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. This position is required to lift at least 50 pounds and have the mobility to keep the storage areas orderly and floors cleaned of IT clutter.

Position Type/Expected Hours of Work

This is a full-time position with a work schedule of Monday-Friday.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

EEO StatementACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

California Privacy Notice As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.