Senior Manager, Predictive Modeling and Machine Learning

Credit Acceptance; United States; Hybrid; USD 184,000 - 270,000; Full time

Benefits offered by this job

401(K) match

Tuition reimbursement

Parental leave

Comprehensive medical/dental/vision

Flexible work options

Job summary

Credit Acceptance is seeking an experienced Senior Data Scientist to lead predictive modeling efforts across credit risk, collections, and operations. You will design, deploy, and monitor models that influence strategic decisions while mentoring junior data scientists and promoting modern data science practices.

Remote work is available with occasional travel to the Southfield, Michigan office. Candidates should have 8+ years of predictive analytics experience and track record of production ML

Qualifications

• Bachelor's degree in a quantitative field required.
• 8+ years of predictive modeling and analytics experience.
• 6+ years applying ML in production environments.
• Proficiency in Python, SQL, and statistical tools (R, SAS).
• Experience with cloud platforms and MLOps tools.
• Strong communication and stakeholder management skills.

Responsibilities

• 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).

Skills

Predictive modeling

ML in production

Python

SQL

Statistical tools (R, SAS)

Stakeholder management

Communication

Education

Bachelor's in a quantitative field

Master's or Ph.D. preferred

Tools

Cloud platforms

MLOps tools

Job description

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! This role leads complex modeling initiatives and drives innovation in machine learning and data science. The 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, deep technical expertise, mentorship, and business acumen to elevate the organization's analytics capabilities.

Outcome and Activities

This position will work from home; occasional planned travel to our Southfield, Michigan office may be required. However, this position is permitted to work at our Southfield, Michigan office 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 in a quantitative field
• 8+ years of experience in predictive modeling and analytics
• 6+ years of experience applying ML in production environments
• Advanced proficiency in Python, SQL, and statistical tools (e.g., R, SAS)
• Experience with cloud platforms and MLOps tools
• Thought leader with strong communication and stakeholder management skills

Preferred

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

Targeted Compensation

$184,354 - $270,386 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.

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

• 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.

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.

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.

At Credit Acceptance, we celebrate what makes each of us unique. We want every Team Member to feel comfortable bringing their authentic self to work - because diverse perspectives make us stronger. Our inclusive culture and flexible opportunities help each person find the right balance between work and life, in a way that fits them best.

Credit Acceptance offers Team Members

• Flexible work options including work from home, on site and hybrid positions
• Company provided technology packages for all Team Members
• An atmosphere that is collaborative, challenging, and filled with forward thinking Team Members
• Extensive growth opportunities as demonstrated by our track record of promoting internally
• Ongoing business training and career development opportunities
• Competitive market-based salary with bonus compensation, quarterly profit sharing and annual merit bonuses
• Generous PTO and holidays that include 27.5 total days during first full year of employment
• 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