American Credit Acceptance seeks a highly-skilled, analytical Data Scientist to join the Data Science and Learning Team. The Data Scientist will leverage their advanced knowledge of statistical and machine learning techniques and their entrepreneurial mindset to uncover insights, build solutions, and deliver recommendations to the business.
American Credit Acceptance is a rapidly-expanding company with extensive growth opportunities. We are proud to say, that we have experienced double digit growth for the last 10 years and currently have over $5,000,000,000 in assets. Our team members and corporate culture create a positive workplace that drives us to succeed, making American Credit Acceptance one of the top auto finance companies in the US for the emerging credit consumer. We offer a great work environment, awesome team members, competitive benefits, progressive career opportunities, a business casual dress code and we work hard to ensure every team member is empowered to work to their fullest potential.
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
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)
ACA’s Guiding Principles:
To be successful in this role, you will need to demonstrate the characteristics our Guiding Principles:
Integrity- Conduct all business in an honest, forthright, and ethical manner.
Partnership- Honor commitments and develop enduring relationships grounded in mutual trust, respect, service, and reliability. This applies to customers, teammates, investors, financial partners, vendors, and our communities.
Humility- Recognize what we do not know, actively seek knowledge and guidance in our decision making, and acknowledge, learn and grown from our mistakes.
Principled Entrepreneurship- Create long-term value by anticipating opportunities for profitable growth, satisfying the evolving needs of the customer, and embracing change while striving for continuous improvement. Exercise sound judgment and take calculated risks to deliver superior results.
Initiative- Be decisive and passionately pursue opportunities with a sense of urgency while continuously adapting and refining strategies.
Fulfillment- Reach our full potential by developing our talents, earning meaningful responsibility, and overcoming challenges as a team, and find purpose in the positive impact we have on our business, family, and community.
American Credit Acceptance is an equal opportunity employer.
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 with some schedule variations as needed including on-call coverage rotation. Occasional night or weekend work for special projects.
ACA provides equal employment opportunities (EEO) to all applicants for employmen