Credit Acceptance Corporation

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! 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. Design and implement core components of the data platform (e.g., data lake, streaming infrastructure, DaaS, catalog), emphasizing scalability, reliability, and observability. Balance hands-on delivery with architectural foresight, contributing to cross-functional initiatives that strengthen the platform. Partner with data and engineering stakeholders to understand requirements and deliver effective, efficient solutions for data acquisition, transformation, and integration. Write unit and integration tests, validating software against acceptance criteria to ensure platform reliability. Apply and promote team standards for coding, documentation, and testing, ensuring maintainable and high-quality engineering practices. Conduct impact analysis to identify dependencies and assess potential risks of changes across applications and services. Develop a strong understanding of platform use cases and business processes to align technical solutions with organizational needs. Experiment with new tools and approaches, validate assumptions, and recommend solutions that improve the platform's capabilities. Participate in design and code reviews, providing constructive feedback and communicating changes effectively. Document platform components and designs, ensuring projects are maintainable and understandable by others. Troubleshoot and resolve production issues, proposing effective solutions to restore platform stability. Contribute to sprint commitments and actively engage in Agile practices, including retrospectives and process improvements. Engage in continuous learning, deepening knowledge of modern data platform technologies, distributed systems, and engineering best practices. Competencies: The following items detail how you will be successful in this role. Customer Empathy: Customer Empathy is the ability to understand the perspectives, pain points, and experiences of customers. It involves actively putting oneself in the customer's shoes, comprehending their needs and challenges, and using that understanding to provide a better, more customer-centric experience. Engineering Excellence: Engineering Excellence is about bringing great craftsmanship and thought leadership to deliver an outstanding product that delights customers and solves for the business. This involves the pursuit and achievement of high standards, best practices, innovation, and superior solutions. One Team: A One Team mindset refers to a collaborative approach across the organization, where individuals work together seamlessly, without boundaries, as a single, cohesive team. Shared goals, open communication and mutual support create a sense of collective purpose. This enables teams to navigate challenges and pursue shared objectives more effectively. Owner's Mindset: Owner's Mindset involves adopting a set of behaviors that reflect a sense of responsibility, accountability, strategic thinking, and a proactive approach to managing your domain. As an owner, you understand the business and your domain(s) deeply and solve for the right outcome for the domain(s) and the business. Requirements: Bachelor's degree in Computer Science, Information Systems, or a closely related field; or equivalent work experience Minimum 5 years of software engineering experience, with recent hands-on experience building and maintaining data platforms or distributed systems in cloud environments Strong knowledge of software engineering best practices, with practical experience building and operating data platforms, products, or solutions Experience building and operating applications on cloud platforms (e.g., AWS, Azure, or GCP), including deploying and supporting containerized services (Docker, Kubernetes, ECS/EKS) Familiarity with lakehouse principles (Delta Lake, Iceberg, or Hudi) and best practices for schema evolution, versioning, and performance optimization Experience with observability practices (metrics, logs, tracing, alerting) and tools (e.g., Dynatrace, Splunk, CloudWatch) to ensure platform reliability Knowledge of data storage technologies relevant to data platforms, including object stores (S3, ADLS, GCS), relational databases, and NoSQL systems Awareness of data governance and security practices (e.g., access controls, encryption, compliance considerations), with the ability to design platform components that align with organizational standards Solid understanding of distributed systems concepts (scalability, reliability, consistency, partitioning) and their application to data platforms Experience working with enterprise-class applications where uptime, reliability, and scalability are essential Strong programming skills in one or more languages commonly used for platform engineering (e.g., Python, Java, Scala, Go) Demonstrated ability to mentor and coach less experienced engineers, contributing to team growth and technical maturity Familiarity with Agile delivery practices and other software development lifecycle methodologies Preferred: Hands-on experience with lakehouse technologies (Delta, Iceberg, Hudi), beyond conceptual familiarity Exposure to workflow orchestration frameworks (Airflow, Dagster, Prefect, Databricks Workflows) Experience with CI/CD pipelines for automated testing and deployment Exposure to observability tooling (Datadog, Prometheus, Grafana, ELK, Dynatrace, Splunk) beyond basics Experience debugging performance issues and optimizing systems for cost and scale Financial services or FinTech industry experience Knowledge and Skills: Designs and implements platform components with a focus on scalability, reliability, and maintainability, following established standards Collaborates with team members and partners to deliver high-quality solutions Explores new tools or practices under guidance and contributes ideas to improve the platform Participates in code reviews, shares knowledge with peers, and supports team-level improvements Applies knowledge of cloud, data, and platform technologies to build effective solutions Understands how technical work supports business outcomes and aligns with platform goals Communicates clearly in technical discussions, design reviews, and documentation Works independently on well-defined tasks and projects while seeking guidance on complex or ambiguous problems Target Compensation: A competitive base salary range from $130,047 - $190,735. This position is eligible for an annual variable cash bonus, between 7.5 - 15%. Bonus amounts are based on individual performance. Final compensation within the range is influenced by many factors including role-specific skills, depth and experience level, industry background, relevant education and certifications. Candidates who reside in the following major metropolitan areas may be eligible for a premium on top of the posted range based on their specific zone: San Francisco, Seattle, Boston, New York City, Los Angeles and San Diego. INDENGLP 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 . click apply for full job details

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! We're seeking a Principal Software Engineer to provide technical and architectural leadership within the data engineering organization. In this role, you'll take a hands on approach in championing technology and architecture decisions at the ecosystem level, while role modeling how engineers should think and work. As a principal engineer, you'll be responsible for leading the technical vision, architecture, and implementation strategy across the data ecosystem, collaborating both within the data team and outside to ensure successful deliveries in production, representing the data team in various technical forums across engineering to apply a data lens at the ecosystem level. The ideal candidate brings 15+ years of engineering experience with significant depth in data technology, distributed systems, and cloud. You'll serve as both a hands-on technical leader and a strategic advisor, helping to establish robust, scalable foundations that enable innovation across the organization. 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. Provide technical thought leadership that connects and aligns business strategy with success Champion key technology and architecture decision across the data portfolio for current and future success Hands on and role model how engineers should think and work, foster a strong engineering culture and discipline including "show and tell" Collaborate both with the data team and cross engineering on technology and architecture strategy and decision Exemplify technical innovation and contribute to critical system design, implementation and operation success Formulate technology and architecture decision frameworks that embed engineering disciplines Become an expert in the business process domain to better support the business and align technologies with the business outcomes Work with the engineering leadership team to develop and execute on the company's technical and business strategy Conduct impact analysis to proactively identify the impact of a change across multiple applications and systems Perform technical due diligence and architectural assessments of third-party technologies and solutions. Experiment and test ideas, validate assumptions against needs, reach conclusions and recommend solutions Document standards, best practices, and engineering artifacts so others can easily understand, build and maintain best in class software systems Debug the critical problems which arise in production and execute effective solutions within the application and across multiple applications/systems Lead continuous learning and process improvement activities to improve design and overall engineering practices Grow talent by participating in hiring and mentoring team members Competencies: The following items detail how you will be successful in this role. Customer Empathy: Customer Empathy is the ability to understand the perspectives, pain points, and experiences of customers. It involves actively putting oneself in the customer's shoes, comprehending their needs and challenges, and using that understanding to provide a better, more customer-centric experience. Engineering Excellence: Engineering Excellence is about bringing great craftsmanship and thought leadership to deliver an outstanding product that delights customers and solves for the business. This involves the pursuit and achievement of high standards, best practices, innovation, and superior solutions. One Team: A One Team mindset refers to a collaborative approach across the organization, where individuals work together seamlessly, without boundaries, as a single, cohesive team. Shared goals, open communication and mutual support create a sense of collective purpose. This enables teams to navigate challenges and pursue shared objectives more effectively. Owner's Mindset: Owner's Mindset involves adopting a set of behaviors that reflect a sense of responsibility, accountability, strategic thinking, and a proactive approach to managing your domain. As an owner, you understand the business and your domain(s) deeply and solve for the right outcome for the domain(s) and the business. Requirements: Bachelor's degree in Computer Science, Information Systems, or closely related field of study; or equivalent work experience Minimum 15 years of software engineering experience or comparable depth of experience Experience in the lead role overseeing technical direction of data technology and architecture Expert knowledge of software engineering best practices with experience building modern data platform, product and solutions Expert understanding and use of modern data technology end 2 end including but not limited to source system, data integration, data acquisition, data ingestion, data transformation, data aggregation, data governance, business intelligence, data warehouse, data lake, NoSQL, object storage, streaming etc. Extensive experience with building and driving adoption of software engineering best practices Strong understanding of distributed systems, cloud computing, and microservices architectures Extensive experience in data modeling, design and messaging Experience working on mission-critical enterprise class applications Demonstrated ability to work with business partners, cross functional team members and coach and mentor experienced team members In-depth experience with building big data real time production system that delivers business success Well versed in delivery mechanisms such as Agile Preferred: Financial services or FinTech industry experience Knowledge and Skills: Architecture and Design: Ability to implement world class solutions that meet the needs of the business and customer, and help deliver growth and innovation. Leadership: Be a thought leader and demonstrate leadership to mentor team members, influence change and drive for the business outcome Ability to challenge the status quo and influence stakeholders to create innovative solutions Be collaborative with other team members, seeking a diversity of thought to meet business outcomes Ability to foster strong relationships across the organization Bring a strong understanding of relevant and emerging technologies, provide input and coach team members and embed learning and innovation in the day-to-day Strong experience and understanding of how to connect the work being done and how it drives business value Ability to communicate complex technical information (both verbal and written) to all levels, including senior leadership Ability to work independently and as part of a team in a fast-paced, dynamic environment. Target Compensation: A competitive base salary range from $208,761 - $306,183. This position is eligible for an annual variable bonus of cash and equity, between 20-60%. Bonus amounts are based on individual performance. Final compensation within the range is influenced by many factors including role-specific skills, depth and experience level, industry background, relevant education and certifications. Candidates who reside in the following major metropolitan areas may be eligible for a premium on top of the posted range based on their specific zone: San Francisco, Seattle, Boston, New York City, Los Angeles and San Diego. 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 . click apply for full job details

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! As a Software Engineer II, you will design, build, and maintain reliable data pipelines and models across batch and streaming architectures, supporting structured, semi-structured, and unstructured data. You will work with your users to enable them to consume data in a meaningful way (through structured schemas, dashboards, or semantic layers). You will contribute to projects, collaborate with team members, and ensure that solutions meet quality and performance standards. You will work closely with senior engineers and stakeholders to deliver effective data solutions that support business needs. 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. Develop and maintain data pipelines for batch and streaming architectures, focusing on data quality, reliability, and scalability. Collaborate with team members to implement data integration strategies based on stakeholder requirements. Design data solutions for end users based on happy path analysis to ensure each type of user is consuming data in a meaningful and insightful way Write unit tests and validate software to meet acceptance criteria. Follow team coding, documentation, and testing standards. Participate in impact analysis for changes across applications. Learn business processes to help align technical solutions with business needs. Experiment with new ideas and technologies under guidance from senior engineers. Participate in code reviews and communicate application changes. Document code and projects for maintainability and support. Troubleshoot production issues and assist in proposing solutions. Contribute to sprint commitments and participate in Agile practices. Engage in continuous learning to improve technical and domain knowledge. Competencies: The following items detail how you will be successful in this role. Customer Empathy: Customer Empathy is the ability to understand the perspectives, pain points, and experiences of customers. It involves actively putting oneself in the customer's shoes, comprehending their needs and challenges, and using that understanding to provide a better, more customer-centric experience. Engineering Excellence: Engineering Excellence is about bringing great craftsmanship and thought leadership to deliver an outstanding product that delights customers and solves for the business. This involves the pursuit and achievement of high standards, best practices, innovation, and superior solutions. One Team: A One Team mindset refers to a collaborative approach across the organization, where individuals work together seamlessly, without boundaries, as a single, cohesive team. Shared goals, open communication and mutual support create a sense of collective purpose. This enables teams to navigate challenges and pursue shared objectives more effectively. Owner's Mindset: Owner's Mindset involves adopting a set of behaviors that reflect a sense of responsibility, accountability, strategic thinking, and a proactive approach to managing your domain. As an owner, you understand the business and your domain(s) deeply and solve for the right outcome for the domain(s) and the business. Requirements: Bachelor's degree in Computer Science, Information Systems, or related field; or equivalent work experience. 2+ years of software engineering experience, preferably with exposure to cloud data platforms. Proficiency in programming (Python, SQL, etc.), data modeling, and database management (SQL/NoSQL). Ability to process structured, semi-structured (e.g., JSON, Parquet), and unstructured data (e.g., logs, text). Experience with Agile/SCRUM or Waterfall methodologies. Familiarity with designing batch and streaming data pipelines. Understanding of data modeling and schema design principles. Awareness of data governance and quality frameworks. Experience working on enterprise-class applications is a plus. Preferred: Experience with Apache Spark or similar technologies. Exposure to Databricks, AWS data services, or other cloud platforms. Familiarity with CI/CD pipelines, automated testing, and code quality tools. Experience with orchestration frameworks such as Airflow or dbt. Financial services or FinTech industry experience is a plus. Power BI, or similar BI tools, with experience in semantic layer creation Knowledge and Skills: Ability to contribute to large-scale data projects with guidance. Awareness of performance, data quality, and edge cases. Willingness to learn from and collaborate with senior engineers. Openness to new ideas and continuous improvement. Strong communication skills, both verbal and written. Target Compensation: A competitive base salary range from $105,602 - $154,883. This position is eligible for an annual variable cash bonus, between 7.5 - 15%. Bonus amounts are based on individual performance. Final compensation within the range is influenced by many factors including role-specific skills, depth and experience level, industry background, relevant education and certifications. Candidates who reside in the following major metropolitan areas may be eligible for a premium on top of the posted range based on their specific zone: San Francisco, Seattle, Boston, New York City, Los Angeles and San Diego. INDENGLP 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.

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 Support teams work with multiple departments in a dynamic environment that promotes flexibility and autonomy, while offering the opportunity to collaborate with a diverse group of professionals. We work to comply with our company standards, exceed customer expectations and drive our Great Place to Work culture. Through the consistent delivery of quality services and understanding the needs of our business, we develop innovative improvements as we strive towards our company's Big, Hairy, Audacious Goals! The Product Manager is a customer-centric advocate for specific customers of products and systems and are responsible for identifying and executing against opportunities. Their main responsibility is to enhance the end-to-end experience with the goal of increasing customer satisfaction and positively impacting the company's revenue growth and other goals. Outcomes 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. Advocates for the end user and stakeholder by empathizing and understanding user needs, remaining focused on desired outcomes, and becoming the domain expert. Analyzes data through the lens of the customer and identifies goals, metrics/key performance indicators, and analytics to determine product value; continually making recommendations and refinements to the product backlog based on learnings, leading to continued improvement in owned metrics/key performance indicators. Takes ownership of business results and being a day-to-day decision maker, including communicating with and influencing key partners and stakeholders to deliver winning product experiences and outcomes. Conducts and monitors research as well as the competitive landscape to recommend the best solutions and ensure that products remain or become best in class. Effectively collaborates with technical and design teams to use the best modern technologies and deliver amazing products to market efficiently with quality. Has a deep understanding of product objectives and priorities and translates product concepts into user stories, epics, and other appropriate product deliverables while identifying and mitigating risks. Owns their product and is responsible for the delivery of that product and associated projects on time, on budget, on strategy, and with a superior level of quality and performance. Serves as the visionary to set vision and direction and champions high-impact outcomes; acts as a bridge between strategy and execution to translate plans into action, iterating as necessary. Champion of the end-to-end platform and is an expert in the systems and users they support; uses this knowledge to generate new ideas and support development, launch, and adoption of these new ideas. Drives continuous improvement of the product management process by documenting and reviewing processes and procedures. Competencies: The following items detail how you will be successful in this role. Customer-Centric: Fully understands and embraces the customer perspective and stays focused on desired outcomes to achieve product-market fit. Displays empathy and approaches problems from a customer's mindset before considering technical solutions. Deeply experienced in human centered design, design thinking and jobs to be done. Clearly defines customer benefits to accelerate decision making, understands how changes to the customer experience impacts backend processes and technologies and develops clear roadmaps that create pathways to action. Business-Focused: Integrates business analytics and operational excellence in every aspect of design and development. Analyzes data thru the lens of the customer and needs of the business and understands inputs, outputs and root causes. Utilizes a hypothesis-based experimentation mindset, iterates and tests hypotheses regularly and champions high impact outcomes. Technology-Driven: Leverages the best modern technologies to imagine, build and deliver revolutionary results. Collaborates effectively with technical and design teams to deliver amazing products to market efficiently with quality. Deeply understands end-to-end platforms and how changes impact the enterprise, applications and the overall technical ecosystem. Transformational Leader: Communicates, partners and influences across teams to deliver winning product experiences and outcomes. Serves as the visionary to set vision and direction across teams. Creates deep partnerships and trust through transparency and inspires partners to collaborate and win together. Embraces change and guides others in managing the impact of change. Requirements: College degree or recent equivalent experience in a related field. Minimum 5 years of experience as a Product Manager or related position. Customer-first mindset, always keeping the customer's interest in mind when making decisions. Hands-on experience managing all stages of the product life cycle. Integration mind-set and approach to ensure product dependencies and integration points are understood and delivered across product lines. Inherently curious, results-driven with the ability to make difficult decisions, ask probing questions and look for root causes, opportunities, and solutions. Strong written and oral communications skills, especially the ability to clarify and simplify complex topics. Organized self-starter who develops plans and is committed to hitting delivery dates; ability to perform with minimal supervision in a team environment. Experience working according to Agile principles, sprint-based approaches, taking a prioritized, pragmatic approach to ensure the correct product gets built and delivered on time. Experience using data mining tools, customer experience management software, and direct observation to identify user behavior, design, and refine product features. Demonstrated ability to improve business key performance indicators through product management. Basic knowledge of product proposals, product roadmaps and customer journey maps. Quick thinker, with an ability to understand and interpret information promptly and effectively. Excellent leadership and persuasion skills and the ability to lead through influence without direct authority. Experience interacting with people at all levels of an organization, including Executive Management. Proficiency with standard MS productivity tools (Office, Visio, and Project), web analytics and pathing tools (e.g. Google Analytics, Adobe Suite, Tea Leaf, Real Story), collaboration tools (e.g. Mural, Miro), Product management (e.g. Jira, Rally, etc.). Ability to travel 0-15% of the time. Preferred Experience: Experience and understanding of consumer auto financing. Targeted Compensation: $130,000 - $153,000 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. 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.

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! We are seeking a highly motivated and experienced Leader of ML and AI Engineering within the AI team. The ideal candidate will have a strong technical background in decision science, machine learning, and generative AI with a proven track record in solving business problems and implementing large-scale automated solutions in partnership with the respective engineering teams. The leader will partner with business and engineering stakeholders to formulate the vision to achieve the company's strategic goals and co-lead the roadmap to deliver innovative solutions for dealers, consumers, and team members. As a Senior Manager, MLE at Credit Acceptance, you will play a pivotal role in the success of this mission as you will lead the development of AI-powered solutions across different business areas. This involves understanding the business processes, identifying new opportunities to add value using ML/AI algorithms, and harnessing data sources to build state-of-the-art ML/AI solutions. 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 vision and the strategic execution with a strong focus on continuous and long-term value creation across all participants of our flywheel Collaborate with management and stakeholders to define strategic roadmaps and translate them into actionable quarterly plans. Drive execution and delivery of ML/AI solutions by managing priorities, deadlines, and deliverables, leveraging your technical expertise. Design and deliver scalable, secure systems using state-of-the-art AI/ML technologies and industry best practices, and nurture the culture of creating high-quality, well-tested systems to address critical product and business needs. Troubleshoot and resolve complex technical issues to improve system reliability, scalability, and operational efficiency. Ensure the security, scalability, and architectural integrity of feature designs through reviews across teams. Deliver hands-on solutions while mentoring other data professionals (including MLEs) within the organization Explore and apply advanced machine learning techniques, including large language models (LLMs), deep learning, and graph neural networks, to solve complex challenges across the organization. Guide a team of MLEs across different areas: Mentoring: Mentor team members on design principles, coding standards, and the adoption of AI productivity tools. Recommendations - Personalize guidance across different surfaces using deep learning methods; personalize layouts with Bayesian contextual multi-armed bandits Growth: Foster long-term growth through data-driven causality and incrementality Gen-AI: Power existing applications with Gen AI models and engineering to improve downstream experience and decisions Lifecycle - Using ML models (such as XGBoost & Causal Meta-Learner-based model, etc), proactively guide business teams across different areas Engineering - With engineering partners, build ML and Gen-AI platform and inference pipelines for different types of models Competencies: The following items detail how you will be successful in this role. Customer Empathy: Customer Empathy is the ability to understand the perspectives, pain points, and experiences of customers. It involves actively putting oneself in the customer's shoes, comprehending their needs and challenges, and using that understanding to provide a better, more customer-centric experience. Engineering Excellence: Engineering Excellence is about bringing great craftsmanship and thought leadership to deliver an outstanding product that delights customers and solves for the business. This involves the pursuit and achievement of high standards, best practices, innovation, and superior solutions. One Team: A One Team mindset refers to a collaborative approach across the organization, where individuals work together seamlessly, without boundaries, as a single, cohesive team. Shared goals, open communication and mutual support create a sense of collective purpose. This enables teams to navigate challenges and pursue shared objectives more effectively. Owner's Mindset: Owner's Mindset involves adopting a set of behaviors that reflect a sense of responsibility, accountability, strategic thinking, and a proactive approach to managing your domain. As an owner, you understand the business and your domain(s) deeply and solve for the right outcome for the domain(s) and the business. Requirements: PhD in Computer Science, Stats, Economics, or a relevant technical field with at least 8+ years of relevant experience or MS with at least 10+ years of experience in machine learning and software engineering 8+ years of hands-on experience designing, building and deploying AI (ML, DL, Gen-AI) models, including Reinforcement Learning algorithms, Recommendation systems, Transformers, fine-tuned LLMs, Regressions, etc., with a solid understanding of mathematics, statistics, and engineering needed to build such infrastructure Hands-on expertise in scaling and maintaining production-grade ML services, with a strong focus on ML/LLM Operations (versioning, automation, observability, automated training and monitoring, etc.) and ability to balance ML model complexity with production requirements Passion for identifying new business opportunities and experience of using a test and learn approach to bring scalable and efficient solutions integrating AI algorithms, ML/LLM Ops, and s/w engineering Experience partnering with the engineering, product, business operations, legal and other teams while designing, building, and executing solutions Strong problem-solving skills with bias for action Preferred Experience in automative industry, especially in building ML/AI systems while ensuring local and central regulations Experience in model interpretability and responsible AI practices. Expertise in data science, advanced experimentation and visualization techniques. Experience in designing and implementing pipelines using DAGs (e.g., Kubeflow, DVC, Ray) Ability to construct batch and streaming microservices exposed as gRPC and/or GraphQL endpoints Experience with Databricks MLflow for ML lifecycle management and model versioning Hands-on experience with Databricks Model Serving for production ML deployments Proficiency with GenAI frameworks/tools and technologies such as Apache Airflow, Spark, Flink, Kafka/Kinesis, Snowflake, and Databricks. Demonstrable experience in parameter-efficient fine-tuning, model quantization, and quantization-aware fine-tuning of LLM models Hands-on knowledge of Chain-of-Thoughts, Tree-of-Thoughts, Graph-of-Thoughts prompting strategies Target Compensation: A competitive base salary range from $184,354 - $270,386. This position is eligible for an annual variable bonus of cash and equity, between 15-30%. Bonus amounts are based on individual performance. Final compensation within the range is influenced by many factors including role-specific skills, depth and experience level, industry background, relevant education and certifications. Candidates who reside in the following major metropolitan areas may be eligible for a premium on top of the posted range based on their specific zone: San Francisco, Seattle, Boston, New York City, Los Angeles and San Diego. 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 . click apply for full job details