Description At American Credit Acceptance, our mission is to help emerging credit consumers obtain affordable, reliable transportation —and that mission doesn't stop once a contract is signed. As a Loss Mitigation Specialist , you play a critical role in supporting customers through some of the most challenging moments of their financial journey. This role blends service, problem-solving, and risk management. You will work directly with customers, impound lots, attorneys, insurance representatives, and internal partners to resolve delinquent accounts, minimize potential losses, and keep customers moving forward. Through every interaction, you'll be guided by our commitment to partnership , integrity , and creating meaningful work that brings fulfillment to both you, your team, and the customers you serve. And you won't do it alone— comprehensive training is provided , equipping you with the tools, knowledge, and support needed to confidently navigate each area of Loss Mitigation. Whether you're new to the industry or building on prior experience, you'll have a clear path to success.

About Loss Mitigation:

Reinstatements & Settlements In Reinstatements and Settlements, you will work most directly with customers who want to keep their vehicle or resolve their account. These teams focus on understanding each customer's situation, asking the right questions, and creating clear paths forward. You'll support customers by: Reviewing account history and current circumstances Helping them understand the options available Working with them to reinstate loans or negotiate settlements Setting up realistic plans that support both the customer and the business These teams combine service, problem-solving, and relationship-building to help customers stay on the road while minimizing potential loss. What You'll Do Analyze each customer's situation and collateral risk, then present clear solutions that support customer stability and company goals. Use tools, technology, and strong critical thinking to identify the best path forward—whether that's payment arrangements, settlements, or other options. Partner closely with customers, internal teams, and external partners (attorneys, repossession vendors, insurance companies) to resolve challenges in a way that protects both the customer and the business. Communicate with empathy and professionalism to de-escalate situations, build trust, and move problem accounts toward successful resolution. What You Bring Strong problem-solving skills with the ability to prioritize in a fast-paced environment Experience working between emails, phones and multiple screens High attention to detail and accuracy Excellent written and verbal communication skills 2+ years of experience in collections, call center, customer service, or similar (preferred) 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. 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. 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 .