Data Scientist

Launch your career with us! We’re looking for students graduating between Fall 2025 and Summer 2026 who are ready to jump in and start full-time in 2026. 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!

American Credit Acceptance is a leading auto finance company known for innovative solutions and a strong commitment to growth. We’re proud to have delivered double-digit growth for the past 10 years, and today we manage over $5 billion in assets. Join our collaborative culture, apply your skills to meaningful challenges, and help shape the future of auto finance for the emerging credit consumer.

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, Information 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.

• 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)

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

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.

This is a full-time position with a work schedule of Monday-Friday with some schedule variations as needed including on-call coverage rotation. Occasional night or weekend work for special projects.

ACA…