At Credit Acceptance, we are building on the foundation of a successful business while investing in the future through technology, data, AI, and continuous improvement. As we continue to evolve, our Team Members play an active role in improving experiences, driving meaningful change, and shaping the future of our business. We foster an environment where people are empowered to contribute ideas, develop their careers, make an impact, and help lead our continued transformation. Our Engineering teams are helping shape the future of Credit Acceptance through innovation. Team Members collaborate across the organization to solve complex challenges, build impactful solutions, challenge the status quo, and support informed business decisions. We value curiosity, continuous learning, and new ideas from people who are passionate about driving modernization and meaningful business impact. Outcomes and Activities: Serve as the single point of contact to the business for assigned AI/ML domains; understand business needs, identify AI/ML opportunities, and define solution direction. Lead discovery: frame the business problem, size the opportunity, and validate the need and feasibility before committing to a solution. Own the product roadmap and its prioritization, making and demonstrating value in what the organization should and should not pursue. Define success in measurable terms, the KPIs and the vision and roadmap per‑product. Translate framed problems into clear solution direction, technical specifications, and delivery plans in partnership with AI/ML Engineering and AI/ML Science teams. Own the build‑versus‑buy recommendation for assigned solutions, with a defensible rationale; lead vendor evaluation, commercial input, integration design, and proof‑of‑concept scoping. Own the solution lifecycle from problem framing through delivery, adoption, and continuous improvement. Continually analyze operational signals from AI Operations viz. cost, quality, and usage and translate them into the roadmap and re‑solutioning work, including vendor renewal and true‑up decisions. Establish, monitor, and analyze KPIs to evaluate effectiveness and drive iterative improvement. Act as a trusted advisor to business and technology leadership, influencing decisions through expertise, data, and clear communication, and protecting the roadmap from being captured by what is technically interesting rather than valuable. 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. Required: Bachelor’s degree in computer science, Engineering, Business, Data Science, Artificial Intelligence, Data Analytics or a related field (Master's degree preferred). 8+ years of experience in technical product management, solution ownership, or business‑facing solution roles, preferably within financial services, and including AI/ML or data products. Strong understanding of AI and machine learning concepts and system design, ability to set realistic expectations, and make defensible build‑versus‑buy decisions. Demonstrated ability to own a product outcome end to end, from problem framing through launch and post launch monitoring. Working proficiency with Python, system design and SQL sufficiently to engage credibly with technical teams and reason about feasibility. Strong understanding of AI features and capabilities including RAG, multi-agent systems, agentic AI, LLM applications, etc. Demonstrated ability to lead complex, cross‑functional initiatives without formal people management responsibility. Excellent problem‑solving, analytical, and stakeholder‑communication skills, including ability to communicate value and ROI to senior leadership. Comfortable operating with significant autonomy, accountability, and ambiguity. Candidates must reside in or be willing to relocate to one of the following hub locations: the greater Southfield, Michigan, area; the greater Bellevue, Washington, area; or the San Francisco Bay Area, California. Preferred: Experience defining metrics and KPI frameworks for AIML or data products. Experience implementing solutions using Databricks, Mlflow, AWS technology stack. Experience owning vendor relationships, commercial negotiations, or integration design. Experience working in at least two of the following areas: Product, Data Science, Machine Learning, Data Engineering, Software Engineering. Strong working knowledge of Agile and Scrum methodologies. Knowledge and Skills: Ability to translate fuzzy business needs into both a measurable definition of success and a feasible solution shape. Strong systems thinking and ability to solve problems at the root cause with practical, scalable solutions. Strong prioritization skills and the ability to say no, when required. Ability to communicate complex technical and analytical information clearly and concisely, both verbally and in writing, including senior and executive leadership. Ability to build trust, credibility, and strong relationships across all levels of the organization. Proven ability to prioritize effectively and execute in a fast‑paced, high‑pressure environment. Target Compensation: Target Compensation: This position offers a competitive base salary, with a range of $184,512 - $258,317. This position is eligible for an annual variable incentive of cash and equity, between 10- 20% of base salary. Actual amounts are based on individual performance. Final compensation within the range is influenced by many factors including assigned hub location, role-specific skills, depth and experience level, industry background, relevant education and certifications. This position follows a hybrid work model, offering two work-from-home days and three standard in-office days each week with the team and key stakeholders at the local office. INDENGLP #zip #LI-Hybrid 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 an inclusive environment for all. We are proud to be an Equal Opportunity Employer and value a culturally diverse workforce. We believe in ensuring all team members demonstrate mutual respect for one another. All qualified applicants will receive consideration for employment without regard to protected characteristics like age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. 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. At Credit Acceptance, our mission is to provide people with access to the vehicles they need, regardless of their credit history. Working with thousands of dealer partners nationwide, we help make vehicle ownership possible while creating value for our customers, dealer partners, Team Members, and communities. 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. Through an inclusive culture, opportunities for growth, and a commitment to well-being, we support Team Members in bringing their best to work each day. Credit Acceptance offers Team Members: Competitive compensation, including bonus and profit-sharing opportunities Comprehensive benefits that support your health, well-being, and financial future Technology, tools, and resources designed to help you do your best work Opportunities to make an impact while helping customers, dealer partners, and communities succeed A collaborative culture where diverse perspectives, curiosity, and new ideas are valued Meaningful career growth through internal mobility, development, and learning opportunities Flexible work options, including remote, hybrid, and onsite opportunities based on team To learn more about who we are and what makes us a Great Place to Work, follow this link! If you are a current Credit Acceptance Team Member, click here to apply.

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