Sr. Director of Operations Innovation
Description
Senior Director of Operations Innovation
At American Credit Acceptance (ACA), our mission is to help emerging credit consumers obtain affordable, reliable transportation — and that mission extends throughout the entire life of the loan. The Senior Director of Operations Innovation plays a critical role in shaping how ACA delivers operational excellence and recovery outcomes at scale.
This leader will oversee the operational management and strategic transformation of ACA’s loss mitigation and recovery functions, driving innovation across process, technology, data analytics, and talent. The role partners closely with executive leadership to reimagine business outcomes, modernize core systems, and creatively leverage AI to enhance operational effectiveness, insights, and performance — all while ensuring strong regulatory compliance.
This position blends vision, operational excellence, and people leadership, with accountability for results, risk management, and continuous improvement.
What You’ll Do
- Own the overall loss mitigation and recovery strategy, ensuring effective mitigation of losses and maximization of recoveries for ACA
- Drive innovation by rethinking loss mitigation outcomes, leveraging technology, automation, advanced analytics, and AI-enabled solutions to improve decision quality and efficiency
- Establish a strong data-driven operating model, using analytics and reporting to inform strategy, resource allocation, and executive decision-making
- Evaluate and recommend changes to organizational structure, staffing models, talent capabilities, and workforce planning
- Lead system enhancements and technology initiatives across loss mitigation and recovery platforms
- Oversee departmental budgets and lead process improvement initiatives to improve cost efficiency, scalability, and performance
- Collaborate with cross-functional leaders to identify, prioritize, and resolve operational and compliance challenges
- Guide the development and delivery of loss mitigation, recovery, and production reporting to support executive-level insights
- Ensure strong governance, audit readiness, and compliance with regulatory requirements
- Set performance standards, make employment decisions, and conduct regular performance evaluations for leaders within the organization
- Serve as a trusted advisor to senior leadership on operational strategy, risk, and organizational health
Leadership Scope
This role has direct supervisory responsibility for a team of leaders, including managers and directors, within the Loss Mitigation organization.
What You Bring
- 10+ years of experience in auto loan servicing or financial services
- 5+ years of experience in collections and/or recoveries
- 5+ years of progressive people leadership experience, including managing leaders
- Bachelor’s degree in a related field or equivalent experience
- Strong understanding of operational risk, audit, and regulatory compliance
- Demonstrated success leading technology, systems, analytics, or process transformation initiatives
- Working knowledge of budget development and financial management
- Excellent written and verbal communication skills, with the ability to influence at all levels
- Strong analytical, logical reasoning, and decision-making skills
- MSP/CMS technical knowledge preferred
Work Environment & Expectations
- Professional office environment with standard office equipment
- Full-time role; Monday–Friday schedule with flexibility as business needs require
- Up to 10% travel
Supervisory Responsibility
This position will have supervisory responsibility for a team of leaders, including managers and directors within the Loss Mitigation organization.
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.
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.
Travel
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.
Disclaimer
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.
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.