VP, Auto Lending Strategy

At American Credit Acceptance (ACA), we are building a company that will stand the test of time. We seek to fulfill our mission — to enable the emerging credit consumer to purchase affordable and reliable transportation — by operating with integrity, partnership, humility, and initiative. We are equally committed to helping our customers improve their credit and achieve long-term financial stability.
 
Our work environment is collaborative and challenging, empowering associates to grow both professionally and personally. We invest in our people because we believe they are the driving force behind our success.
 
Position Summary
We are seeking a Vice President, Auto Lending Strategy to lead key originations activities, including funding and underwriting auto loans. This executive leader will play a critical role in shaping ACA’s future by developing lending strategies that drive long-term growth, optimize loan performance, and strengthen customer relationships.
 
Key Responsibilities:

 

The VP, Auto Lending Strategy will:

• Lead and scale ACA’s originations function with a focus on underwriting and funding performance
• Create and maintain a culture aligned with ACA’s Guiding Principles, fostering accountability, ownership, and teamwork
• Define and execute strategic plans to improve credit quality, funding efficiency, and risk mitigation
• Set performance goals and manage team results, identifying opportunities to increase effectiveness and productivity
• Collaborate cross-functionally with leaders in Credit Risk, Operations, Compliance, and Technology to align on process improvements and ensure regulatory adherence
• Monitor performance analytics and generate insights that inform strategic decisions and drive continuous improvement
• Mentor and develop team leaders, promoting internal mobility and career growth across the organization
• Represent the lending team in executive-level discussions, offering data-driven recommendations and strategic input to support overall company goals.

Qualifications:
 
Experience, Knowledge and Education:
10+ years of experience in a Service Operations Environment
5+ years of experience with people management and leadership

Supervisory Responsibility
This position will supervise a team of Specialists, Supervisors, and Managers.
 
Work Schedule and Travel
This is a full-time position with a work schedule of Monday – Friday with some schedule variations as needed. This position will require up to 10% travel.
 
EEO Statement
ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.  ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.
 
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
 
You are not officially considered an applicant unless you have completed an employment application in ACA’s online applicant tracking system, Jobvite
California Privacy Notice 
As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.