American Credit Acceptance jobs

Description Summary/ObjectiveThe Compliance Manager will be responsible for development, implementation, and continuous enhancement of key aspects of the Compliance Department, as assigned by Compliance leadership. This position will provide strategic leadership in the areas of governance efforts and issue management, collaborate cross-functionally, drive operational excellence and process improvements, and render subject-matter expertise of compliance and operational aspects of ACA policies, procedures, and practices. Essential FunctionsCompliance Governance Oversee the scheduling, facilitation, and documentation of various governance bodies in alignment with associated charters and policies. Oversee the maintenance of accurate and organized governance records, including meeting minutes, decisions, and supporting documentation. Compliance Reporting and Monitoring Design, implement, and maintain compliance monitoring activities for identified risks and issues. Develop and manage a Fair Lending and discrimination complaint review and escalation process. Compliance Change Management Facilitate and oversee Risk Acceptance reviews and approvals for Compliance. Oversee the Compliance Event process, ensuring accurate and timely reporting and resolution. Manage ACA's policy and procedure library in accordance with ACA's Business Change Management Program. Manage the Template Document Library and other appropriate compliance infrastructure. Provide oversight and leadership in the development of training materials for ACA. Develop, revise, and maintain Compliance Department policies and procedures. Compliance Project Management Lead compliance-driven projects and initiatives in collaboration with cross-functional teams. Serve as the primary Compliance contact for innovation teams, projects, and efforts. Support Compliance oversight of vendors, debt sales, and other third-party relationships or tasks. Commercial Lending / Portfolio Transactions (Spartan) Oversee performance and conduct certain due diligence procedures on Spartan clients and portfolios. Produce comprehensive summary documentation for review by the Spartan and Compliance leadership to enable decision-making. Process Improvement & Automation Identify opportunities to streamline workflows, automate manual processes, and optimize Compliance Department operations. Partner with internal stakeholders and technology teams to evaluate and implement tools that expand the team's capacity and efficiency. Monitor and assess the effectiveness of implemented solutions to ensure sustained process improvements. Regulatory Licensing & Exam Management Manage regulatory licensing applications and renewals, ensure compliance with surety bond and other licensing requirements, and maintain a comprehensive licensing database. Coordinate and oversee compliance examinations conducted by regulatory agencies, including the preparation and timely submission of required reports, documentation, and responses. Partner with Legal and other stakeholders to monitor, analyze, and communicate changes to federal and state laws and regulations impacting ACA's licensing and examination programs. Prepare clear and comprehensive reports and presentations on licensing and examination activities, as well as the potential impact of legal or regulatory developments on ACA's business. Coordinate and manage responses to regulatory requests, audits, and inquiries, ensuring accuracy, timeliness, and consistency. Maintain thorough records and documentation related to all licensing and examination activities to support audit readiness and regulatory compliance. Develop and manage projections for licensing and examination related expenses. Innovation, Technology & Emerging Risk Oversight Serve as a primary Compliance stakeholder for emerging technologies, including AI and automation initiatives, ensuring they align with regulatory expectations and internal policies. Oversee the monitoring of AI functions across the organization to identify and mitigate potential compliance risks. Stay actively engaged in industry developments and evolving AI regulatory frameworks, providing proactive guidance on best practices and risk management. Collaborate with Legal, Risk, and Technology teams to implement appropriate governance and controls for AI-driven processes. Other Duties Perform additional responsibilities as assigned to support departmental and organizational objectives. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Qualifications Bachelor's degree OR Associate's degree with 3+ years of relevant compliance experience. 2+ years of experience in people management Experience in interpreting, evaluating, and communicating laws and regulations applicable to consumer lending, including but not limited to: Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, Unfair, Deceptive, or Abusive Acts or Practices Act (UDAAP), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Equal Credit Opportunity Act (ECOA), Gramm-Leach-Bliley Act (GLBA). Excellent analytical and problem-solving skills with a strong attention to detail. Excellent organization skills, project management, and prioritization within in complex, fast-paced environment. Proficiency in MS Office Suite (specifically Outlook, Word, Excel, PowerPoint), with the ability to quickly learn new systems and tools. Excellent written and verbal communication skills, with the ability to effectively collaborate with internal and external stakeholders. Experience driving process improvements, leveraging automation, or implementing operational efficiencies is a plus. Handle confidential material and sensitive information discreetly. Supervisory ResponsibilityThis position will supervise a team of Analysts and/or Specialists. Work Environment and Physical DemandsThis 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 WorkThis is a full-time position with a work schedule of Monday-Friday with some schedule variations as needed. TravelThis position may require up to 10% travel. EEO StatementACA 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. 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.

Why GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment ***This posting is to enter our campus recruiting and entry-level process for position offers being made for May 2026*** What does it mean to be a Learning & Development Specialist at GLS?As a Learning & Development Specialist, you will be responsible for effectively delivering training content across multiple programs. You will create impactful learning experiences while delivering training, build strong relationships with program stakeholders to ensure organizational goals are met, maintain and develop curriculum as assigned across multiple programs, and evaluate training outcomes according to training guidelines.How will you drive value within the organization as a Learning & Development Specialist? Effectively deliver training curriculum to meet all program stakeholders and Learning & Development team expectations and guidelines Coach, develop, document, and provide feedback to learners in the classroom following guidelines and engaging leadership wherever necessary Maintain existing training curriculum for assigned training programs Develop training curriculum as assigned Using professional adult-learning methodologies and theory, research and implement best practice approaches to training delivery and development Build strong working partnerships with program stakeholders that foster effective communication and high-quality training outcomes Support learners' success both inside the classroom and after training has been delivered, including spending time with and answering questions as learners perform daily job functions. Use measurement methodology to accurately gauge and be accountable for the effectiveness of training Manage all projects within the Learning & Development portfolio as assigned What should you already know to be successful as a Learning & Development Specialist? Minimum of bachelor's degree required Basic knowledge of HR concepts required Strong drive, ambition, and self-motivation; Excellent organizational skills with high attention to detail Commitment to exemplifying the organizational core values and key competencies Ability to learn quickly and think on your feet Prepared to roll up your sleeves and work hard to accomplish your goals Great communication skills Team player that can adapt in a fast-paced and changing environment Employment Requirements: Must be able to facilitate training while walking and standing in front of a classroom for up to 100% of the workday Constantly operate a computer and other standard office equipment Talk and hear to exchange accurate information Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading Stoop and kneel to set-up computer and other training equipment The position requires less than 10% travel This is an exempt level position whereby business need will dictate the exact work schedule which should be expected to vary at times. Generally, days and hours of work are Monday through Friday, between the hours of 8:00am-6:00pm. Evening and weekend work may be required as job duties demand Regular, predictable attendance is required, including overtime hours as business demands dictate 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Job DescriptionWhy GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment What does it mean to be a Senior Collections Administrative Coordinator at GLS?The Senior Collections Coordinator position is responsible for assisting in the oversight of all specialty collections and/or remarketing processes. The Senior Collections Specialty Coordinator helps to optimize existing workflows and drive process improvements. What does it mean to be a Senior Collections Administrative Coordinator at GLS? Support associates in handling challenging customer/account cases and understanding account complexities Partner or guide associates to deescalate and find resolution to customer/account related issues Educating and effectively explaining to customers the details of their auto loan Apply critical thinking skills in problem solving to assist the customer and while adhering to company policies and procedures Review, identify, resolve, and track root causes for all escalations such as account disputes, customer service complaints, and regulatory compliance Effectively collaborates with external vendors to support operational process and resolve customer/account cases Assists with the development and implementation of compliance, training, and review processes for operational activities Conduct QA reviews to support adherence to company policy and regulatory requirements within all designated functions. Provide real-time assistance to front line associates on calls Proactively identify issues and trends using a tracking tool to monitor and provide reporting on areas of opportunity Provide feedback to leadership on escalated trends impacting customer experience and business Support oversight of process flows and assist in the update or creation of procedural documents Work independently and/or directly with leadership to resolve highly escalated issues Foster a collaborative culture that facilitates the achievement of business plan objectives by working closely with other associates and members of management Facilitate training; oversee system enhancements and process changes What should you already know to be successful as a Senior Collections Administrative Coordinator? Minimum of High School Diploma or equivalent required. Bachelor's degree preferred Auto finance industry experience preferred Exceptional interpersonal skills: effectively manage highly sensitive and confidential information, interact at all levels within the organization, and build cross-functional partnerships across the business Exceptional oral and written communication skills Team player that can adapt in a fast pace and changing environment Proficient computer skills with working knowledge of internet and standard business applications such as Microsoft Office, specifically spreadsheet creation and formula-based calculations; ability to quickly learn new computer applications as required Excellent organizational skills with high attention to detail and demonstrated ability to effectively set and manage multiple conflicting priorities Commitment to exemplifying the organizational core values and key competencies Schedule: This position is full-time The position is a full in-office position Days and hours of work are Monday through Friday, 8:00am-5:00pm Regular, predictable attendance is required, including overtime hours as business demands dictate Evening and weekend work may be required as job duties demand 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Why GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment What does it mean to be a Refinance Sales Representative at GLS? As a Refinance Sales Representative, you will play a pivotal role in originating new consumer refinance transactions. You will serve as a subject matter expert for prospective customers and will be responsible to answer questions as the transaction moves through the refinance process. Responsibilities will include administrative functions as well as customer interactions in support of refinance transactions. How will you drive value within the organization as a Refinance Sales Representative? Communicate with prospective customers by telephone and/or electronic methods to: explain the refinance process and educate consumers on the benefits of refinancing with GLS and provide assistance and guidance on all necessary documentation for the refinance process Communicate with current applicants via phone, email, and other methods to: ensure their refinance transaction is moving seamlessly through the origination process, serve as a resource for inbound callers who have questions or concerns about their refinance transaction, and provide best-in-class service to process and finalize refinance transactions Complete verifications, prepare documents and maintain work logs in an effort to close refinance transactions Address funding issues, including escalating origination issues as necessary Maintain acceptable customer service levels and turnaround times to achieve volume targets Maintain electronic records and files that support work performed, results, and outcomes What should you already know to be successful as a Refinance Sales Representative High school diploma or equivalent required Financial services or auto industry experience preferred but not required Confident self-starter that operates at a high level with limited supervision Excellent organizational skills with great attention to detail Strong oral and written communication skills High level of interpersonal skills with the ability to interact at all levels inside and outside of the organization Meets deadlines without missing important details Basic skills in using a variety of computer software applications, particularly Microsoft Word, Excel, and other Microsoft Office products Team player that can adapt to a fast-paced and changing environment Commitment to exemplifying the organizational core values and key competencies Employment Requirements Remain in a stationary position for up to 75% of the workday Constantly operate a computer and other standard office equipment Talk and hear to exchange accurate information Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading Stoop and kneel to maintain files This position is full-time This is a position where business needs dictate the exact work schedule. Generally, days and hours of work are Monday through Friday, between 9:00 am-6:00 pm Regular, predictable attendance is required, including overtime hours as business demands dictate 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Job DescriptionWhy GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment ***This posting is to enter our campus recruiting and entry-level process for position offers being made for December 2025 and May 2026*** What does it mean to be a People Supervisor - Operations at GLS?People managers in Operations at GLS are key to helping employees grow, creating a strong team environment, and achieving organizational goals while providing optimum customer support! This is accomplished through daily feedback, empowerment, coaching, training, and recognition of top performance. As an Operations Supervisor, you are taking the first step toward a career in management and leadership at GLS. This role is designed to prepare you for future opportunities in managerial and leadership positions, providing you with the skills and experience necessary to advance within the organization. Operations Supervisors who excel in their roles have a clear path to move into Operations Manager positions and continue their growth into higher leadership roles within the company. Before you start your management journey, you will complete classroom and on-the-job training to understand our industry and the positions you will support. On-the-job training lasts 3-6 months before you are assigned a team to manage.How will you drive value within the organization as a People Supervisor - Operations? You will provide quality training, guidance, performance coaching, and feedback to assigned staff and advise and recommend training opportunities You will evaluate team operating processes, analyze reports, and identify all performance-related issues to ensure appropriate actions are made to maximize work effectiveness You will establish strong working relationships with other business units You will support the development and maintenance of departmental operating procedures You will set departmental goals and develop and maintain a daily employee work schedule that effectively meets the needs of the business unit and company You will accept incoming calls and effectively resolve escalated complaints You will exercise management authority concerning staffing, performance evaluations, promotions, salary recommendations, and terminations What should you already know to be successful as a People Supervisor - Operations? Bachelor's degree is required Phenomenal interpersonal skills with a focus on empowering others Ability to learn new concepts and think fast on your feet Strong drive, ambition, and the ability to motivate others Solid written and verbal communication skills Excellent organizational skills with high attention to detail Hands-on approach, and willingness to go above and beyond to get the job done Commitment to exemplifying organizational core values Employment Requirements: This is an exempt-level position where business need will determine the exact work schedule which should be expected to vary at times. Generally, the days of work are Monday through Friday, between the hours of 8:00am-6:00pm. Saturday shifts may also occur as business needs dictate. Remain in a stationary position up to 50% of the workday Constantly operate a computer and other standard office equipment Ability to perform activities related to administrative functions, use of a computer, reading company-related documents and email, bending, and kneeling The position may require travel 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Job DescriptionWhy GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment What does it mean to be a Corporate Counsel II at GLS?As a Corporate Counsel II, you will provide guidance on legal matters and advise on the legal implications of all consumer financial regulatory matters. You will be responsible for ensuring the company conducts its business in compliance with applicable federal and state laws and regulations. How will you drive value within the organization as a Corporate Counsel II? Act as the legal resource and offer counsel onall consumer financial regulatory mattersimpacting the company Document legal standards for use by business units and the Compliance department Assist in the legal review of all contracts with third party vendors Provide legal support to Compliance-related initiatives Research unique legal issues impacting the organization and develop solutions to complex legal questions Deliver counsel to various business units Maintain electronic records and files that support work performed, results, and outcomes Foster a collaborative culture that facilitates the achievement of business plan objectives by working closely with other associates and members of management Perform additional assignments and special projects as required by the needs of the company or as directed by management What should you already know to be successful as a Corporate Counsel II? Minimum of Bachelor's degree and Juris Doctorate from an accredited Law School required Active member in good standing of a state bar Unimpeachable ethics and integrity, as well as demonstrated ability to exercise sound independent judgment Experience with cost-effective management of outside legal resources Intrinsically motivated with demonstrated ability to take initiative, identify needs, make recommendations for improvement, see recommendations through implementation, and evaluate improvements for effectiveness Excellent interpersonal skills Excellent oral and written communication skills Team player that can adapt in a fast-paced and changing environment Proficient computer skills with working knowledge of internet and standard business applications such as Microsoft Office; ability to quickly learn new computer applications as required Commitment to exemplifying the organizational core values and key competencies Excellent organizational skills with high attention to detail and demonstrated ability to effectively set and manage multiple conflicting priorities Ability to think strategically and deliver tactically Employment Requirements: This position is full-time This is an exempt level position whereby business need will dictate the exact work schedule which should be expected to vary at times. Generally, days and hours of work are Monday through Friday, 8:00am-6:00pm Remain in a stationary position up to 100% of the workday Constantly operate a computer and other standard office equipment Be able to perform activities such as: viewing a computer terminal, extensive reading, bending, and kneeling 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Job DescriptionWhy GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment What does it mean to be an Operations Manager with GLS?The Operations Manager is responsible for the management of all aspects of their assigned team. This position will manage and execute programs, policies, and systems to improve business processes. In addition, this position will be responsible for hiring, training, developing, and motivating a team to achieve business goals and ensure compliance to policies. How will you drive value within the organization as an Operations Manager? Oversee an assigned segment of Operations activities to monitor performance, manage overall quality and continuously drive process improvement Directly supervise 7 employees Exercise management authority concerning staffing, performance evaluations, and terminations Review and approve employee time sheets and requests for time off Motivate team members to ensure individual goals are met on a daily, weekly, monthly, and annual basis Conduct monthly coaching sessions with team members based on scorecard results and side by side floor observations Review, analyze, and interpret reports to gauge team performance and develop strategies for improvement Conduct team meetings and continuous training sessions with respective team or the department Support the development and maintenance of departmental operating procedures, including ensuring compliance with regulatory agencies, and communicate changes to team members as needed Apply policies, procedures, and guidelines appropriately and exercise sound judgment to ensure consistency and compliance with company policies and regulatory agencies Handle escalated accounts and disputes Foster a collaborative culture that facilitates the achievement of business plan objectives by working closely with other associates, vendors, and members of management Set departmental goals and develop and maintain a daily employee work schedule that effectively meets the needs of the business unit and company What should you already know to be successful as an Operations Manager? Minimum of Bachelor's degree required Minimum of three (3) years' experience in a supervisory or leadership position in loss prevention or a related field preferred Experience with consumer lending/auto financing preferred Intrinsically motivated with demonstrated ability to take initiative, identify needs, make recommendations for improvement, see recommendations through implementation, and evaluate improvements for effectiveness Excellent interpersonal skills: friendly and tactful with the ability to influence others, effectively manage conflict, exercise sound judgment, effectively manage highly sensitive and confidential information, interact at all levels within the organization, and build cross-functional partnerships across the business Team player that can adapt in a fast pace and changing environment Strong verbal and written communication skills Proficient computer skills with working knowledge of standard business applications; ability to quickly learn new computer applications Commitment to exemplifying the organizational core values and key competencies Demonstrated ability to motivate and lead a team - provide quality training, guidance, performance coaching and feedback to assigned staff Excellent organizational skills with high attention to detail and demonstrated ability to effectively set and manage multiple conflicting priorities Ability to handle multiple tasks during constantly fluctuating business volume Employment Requirements: Significant portions of daily assignments involve application of manual skills requiring motor coordination in combination with finger dexterity Remain in a stationary position up to 100% of the workday Constantly operate a computer and other standard office equipment Job functions involve sedentary to light physical effort. Physical demands range from sitting, walking, standing, or pushing or pulling materials. Work may involve exerting up to 10 pounds of force to lift, carry, push, pull, or move objects Be able to perform activities such as: viewing a computer terminal, extensive reading, bending, and kneeling 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Job DescriptionWhy GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment ***This posting is to enter our campus recruiting and entry-level process for position offers being made for May 2026*** What does it mean to be a System Support Specialist at GLS?As a System Support Specialist, you will be responsible for troubleshooting assigned proprietary GLS system components. This includes managing issues with the vendors of the various software-as-a-service platforms that comprise the operational processes. How will you drive value within the organization as a System Support Specialist? Troubleshoot and resolve issues as quickly as possible Coordinate testing related to production issue resolution and afterward develop proactive training related to the issues Learn from and document solutions provided by vendors and upper-tier resources to constantly reduce the need for escalation Identify and prioritize incidents requiring urgent attention Determine impacts on workflows and the overall business Develop detailed functional and technical descriptions of issues Engage with management and other subject matter experts to gather data on production issues Drive escalation decisions with vendors and management Assist with or provide root cause analysis of servicing incidents in a timely manner Communicate resolutions using various media such as spreadsheets, charts, diagrams, or other documents to educate operations staff describing the problem, process, or the intended functionality Enhance monitoring tools to capture and diagnose incidents Create knowledge base articles related to the servicing domain and train Tier 1 staff within that scope Follow feature implementation schedule for monitoring of issues and training purposes Support ongoing system maintenance work Build close working relationships with both business, IT staff, and vendor partners What should you already know to be successful as a System Support Specialist? External candidates require a Bachelor's degree in Statistics, Mathematics, Economics, Finance, Engineering, Computer, Information Technology, or a related field Proficient computer skills and ability to quickly learn new computer applications as required. Working knowledge of SQL and/or Python preferred Strong written, verbal and interpersonal communication skills while presenting ideas in business-friendly and user-friendly language Intrinsically motivated with demonstrated ability to take initiative, identify needs, make recommendations for improvement, see recommendations through implementation, and evaluate improvements for effectiveness Exceptional interpersonal skills: friendly and tactful with the ability to influence others, effectively manage conflict, exercise sound judgment, effectively manage highly sensitive and confidential information, interact at all levels within the organization, and build cross-functional partnerships across the business Employment Requirements: Work at a desk/in a seated position up to 100% of the workday Constantly operate a computer and other standard office equipment Talk and hear to exchange accurate information Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading The position does require domestic travel up to two weeks annually This is an exempt level position whereby business need will dictate the exact work schedule which should be expected to vary at times. Generally, days and hours of work are Monday through Friday, 8:00am-6:00pm Regular, predictable attendance is required, including in excess of 40 hours as business demands dictate This role will participate in an on-call rotation for after-hours support 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Job DescriptionWhy GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment ***This posting is to enter our campus recruiting and entry-level process for position offers being made for May 2026*** What does it mean to be an HR Administration Specialist at GLS?As an HR Administration Specialist, you will be responsible for leading key HR activities related to payroll, employee benefits, document control, and information management.How will you drive value within the organization as an HR Administration Specialist? Process bi-weekly payroll in an accurate and timely manner Serve as the internal administrator for the company's employee self-service and benefits enrollment systems including all tasks related to the processing of payroll and benefits management Proactively manage relationships with benefits, timekeeping and payroll vendors to ensure proper execution of services Manage processes and documentation for certain employee benefits including but notl imited to short term disability claims and worker's compensation claims, ensuring compliance with all applicable state and federal regulations Support benefits administration through monthly and quarterly activities including bill reconciliation, funding of HSA accounts and 401(k) enrollments Conduct associate and management level training on HR related processes and systems as necessary Process all paperwork and set-up accounts in relevant systems for all newly hired associates Deliver requested information and reports in a timely manner, reviewing data for accuracy and formatting for ease of use Maintain employment files and other required documents to ensure regulatory compliance Provide project management support, taking a lead role in all department projects as assigned Establish strong working relationships with all associates, providing top quality service and individualized support as needed What should you already know to be successful as an HR Administration Specialist? Minimum of Bachelor's Degree Basic knowledge of HR concepts Excellent organizational skills with strong attention to detail High comfort level working with numbers and utilizing basic Math Strong proficiency in MS Excel Strong drive, ambition, and self-motivation; Commitment to exemplifying the organizational core values and key competencies Ability to learn quickly and think on your feet Prepared to roll up your sleeves and work hard to accomplish your goals Great communication skills Team player that can adapt in a fast-paced and changing environment Employment Requirements: Remain in a stationary position up to 100% of the workday Constantly operate a computer and other standard office equipment Talk and hear to exchange accurate information Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading This is an exempt level position whereby business need will dictate the exact work schedule which should be expected to vary at times. Generally, days and hours of work are Monday through Friday, 8:00am-6:00pm Regular, predictable attendance is required, including in excess of 40 hours as business demands dictate The position does not require travel 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Summary/Objective Title Specialists handle information regarding motor vehicle registration and processes legal and other state-required documents. Employee processes incoming and outbound titles in an efficient and accurate manner. This candidate must be administratively adept and organized with handling files and maintaining documents. Must know, practice and ensure that company policies and procedures and state or federal laws are followed at all times. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. •Maintain and develop knowledge of State laws and regulations as related to vehicle tag and title practices •Verify accuracy of title and lien documents received (Vehicle Identification Number, Registered Owner Name(s), Lien Holder Name/Address, Vehicle Description and Odometer Reading •Enters alphabetic, numeric, or symbolic data from source documents into computer, using keyboard or scanner and following format displayed on screen •Ability to process data into our system and onto state agency forms for processing a repossession title. •Researching and responding to title questions, problems or errors •Maintains a professional appearance and maintains all working area conditions and equipment to ensure they are within standards for cleanliness, proper maintenance and safety •Shares ideas and best practices to drive efficiencies •Ability to prioritize work and meet deadlines •Knowledgeable with Word, Excel, Adobe Reader and other Microsoft Products. •Other duties as assigned Qualifications •High School Diploma or GED •Previous experience at a car dealership, auction or title agency is preferred •Adept at navigating various computer applications •Strong work ethic and willingness to learn •Ability to work independently and in a team environment •Strong customer service and communication skills both written and verbal •Proven ability to multi-task •Strong attention to detail •Ability to deal tactfully with the public and co-workers •Must be able to perform basic mathematical computations Supervisory Responsibility This position has no supervisory responsibilities. 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. Days and hours of work are Monday through Friday 8 a.m. to 5 p.m. or 12 pm to 9 pm with occasional weekends. Travel No travel is expected for this position. 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.

Job Description***This posting is to enter our campus recruiting and entry-level process for position offers being made for May 2026*** What does it mean to be a Business Analyst at GLS?GLS is a highly analytic-driven company whose business model of providing auto loans to consumers through dealership partners has greatly thrived because of the great work our Analysts do. As an Analyst at GLS, you will work on solving important problems by deploying great critical thinking, education-based skill sets you've worked hard to obtain, and your demonstrated ability to learn new ideas and domains and turn knowledge into applied solutions. Analysts play various roles across our company, taking on a variety of assignments within GLS business and operational areas. You will interact with team members both within your own area and cross-functionally, learning how the business is run and how to drive improvements, while gaining solid exposure to senior management. The day-to-day activities will vary based on the group but could include the following:Credit Risk, Pricing, and Partnership Business Analysts Business Analysts in Credit Risk are responsible for analyzing and improving all aspects of the application processing, automated underwriting, and the pricing decision cycle within a highly competitive marketplace. Business Analysts apply their data analytics and business acumen to support data-driven business decisions. They do this by leveraging multiple internal and external data sources, including both quantitative and qualitative data, and applying a broad range of skills such as visual analytics, estimation and simulation procedures, competitive analysis, etc. Business Analysts are often asking and analytically answering questions such as: What type of change is needed to optimize profit, or drive more volume? How can we better understand the impacts of the changes we've made in the past? What new product features and offerings will be more compelling to our dealer-partners? What insights can we gain from our competitors? What KPI's should be developed? What are those KPI trends telling us? What should you already have to be successful in this role? Bachelor's degree in Statistics, Mathematics, Economics, Finance, Engineering, Computer Science, Information Technology, or a related field required Proficient computer skills and ability to quickly learn new computer applications as required Working knowledge of SQL and/or Python preferred Strong written and verbal communication skills with the ability to present ideas in a cohesive business-focused and user-friendly language Internally motivated with a demonstrated ability to take initiative, identify needs, make recommendations for improvement, see recommendations through implementation, and evaluate improvements for effectiveness Exceptional interpersonal skills: friendly and tactful with the ability to influence others, effectively manage conflict, exercise sound judgment, effectively manage highly sensitive and confidential information, interact at all levels within the organization, and build cross-functional partnerships across the business Employment Requirements: This is an exempt level position whereby business need will dictate the exact work schedule which should be expected to vary at times. Generally, days and hours of work are Monday through Friday between the hours of 8:30am-6:00pm. Regular, predictable attendance is required, including overtime hours as business demands dictate Evening and weekend work may be required as job duties demand The position does not require travel Significant portions of daily assignments involve application of manual skills requiring motor coordination in combination with finger dexterity Remain in a stationary position up to 100% of the workday Constantly operate a computer and other standard office equipment

**Our mission is to make higher education accessible and affordable for everyone.** We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast. We build tools that help people feel in control of their financial future, including: + **Private student loans** - low rates, people-first service, and flexible payments. + **Student loan refinancing** - break free from high-interest rates or monthly payments. + **Scholarships** - access to thousands of scholarships to help students pay less. Earnies are committed to helping students live their best lives, free from the stress of student debt. If you're as passionate as we are about our mission, read more below, and let's build something great together! **The Senior Risk Analytics Manager will report to the Head of Credit Risk.** **As the Senior Risk Analytics Manager, you will:** + Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company's risk appetite. + Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices. + Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest. + Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed. + Independently validate models to ensure they are conceptually sound and perform as intended. + Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations. + Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels. + Present results with insights on trends and drivers. + Communicate forecast results, insights, and recommendations to leadership and business partners. + Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies. **About You:** + 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics + 5+ years of experience in SQL and/or Python programming for data analysis and model development + Strong business acumen in lending products and sophisticated risk data analysis + In-depth understanding of model risk governance frameworks + A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence + Excellent communication and presentation skills + Knowledge of applicable laws and regulations governing the lending industry + Experience in Business Intelligence / Reporting tools such as Looker or Tableau **Even Better:** + Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models + Expertise in statistical models + Expertise in Excel and Google Slides + Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners + Ability to prioritize and multitask on various projects + Ability to methodically execute complex analytical processes accurately and efficiently + Intellectual curiosity, critical thinking, and problem-solving skills + Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals + Strong ownership and ability to collaborate well with business partners **Where:** + This role will be based in the US. \#LI-KB1 A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate's starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future. Pay Range $180,000-$225,000 USD **Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:** + Health, Dental, & Vision benefits plus savings plans + Mac computers + work-from-home stipend to set up your home office + Monthly internet and phone reimbursement + Employee Stock Purchase Plan + Restricted Stock Units (RSUs) + 401(k) plan to help you save for retirement plus a company match + Robust tuition reimbursement program + $1,000 travel perk on each Earnie-versary to anywhere in the world + Competitive days of annual PTO + Competitive parental leave **What Makes an Earnie:** At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other: + **Every Second Counts** : Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success. + **Choose To Do Hard Things** : We win by tackling the hard things that others avoid, fueled by grit and resilience. + **Pursue Excellence** : Great companies, teams, and individuals never settle and are proud of the work that they do. What's good enough today won't be good enough tomorrow. Excellence isn't a destination; it's a mindset of continuous improvement. + **Lead Together** : Our success comes from how we work together. Leadership is not about titles-it is about action. We take ownership, drive results, and move forward as a team. + **Don't Take Yourself Too Seriously** : We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient. **At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.** _Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance._

Job DescriptionWhy GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment ***This posting is to enter our campus recruiting and entry-level process for position offers being made for May 2026*** What does it mean to be an Audit Specialist at GLS?As an Audit Specialist, you will be responsible for supporting the execution, expansion, and continuous improvement of the Internal Audit Program. You will work collaboratively with management to gain understanding of business processes, risks, and related controls. You will leverage technology and data to develop and execute test procedures to evaluate the adequacy and effectiveness of risk management and controls for mitigating those risks. How will you drive value within the organization as an Audit Specialist? Assists with the maintenance of a comprehensive GLS Audit Universe and Risk Assessment Assist with the development and completion of the Audit Plan Work collaboratively with management to identify risks and concerns within each area to develop audit procedures and testing that are aligned with those risks and concerns Execute testing procedures to evaluate the adequacy and effectiveness of internal controls Report audit results and recommendations to management over the course of the audit and during exit meetings Prepare and issue formal Audit Reports to communicate results to management and the Enterprise Risk Committee Track and report audit issue remediation and validate completed items Make value-added recommendations to improve controls, mitigate risk, and improve business results Maintain electronic records and files that support work performed, results, and conclusions Look for opportunities to improve Internal Audit related processes and gain efficiencies What should you already know to be successful as an Audit Specialist? Minimum of bachelor's degree required Intrinsically motivated with demonstrated ability to take initiative, identify needs, make recommendations for improvement, see recommendations through implementation, and evaluate improvements for effectiveness Strong interpersonal skills Strong verbal and written communication skills Team player that can adapt in a fast pace and changing environment Proficient computer skills with working knowledge of internet and standard business applications; ability to quickly learn new computer applications as required Commitment to exemplifying the organizational core values and key competencies Excellent organizational skills with high attention to detail and demonstrated ability to effectively set and manage multiple conflicting priorities Employment Requirements: This is an exempt level position whereby business need will dictate the exact work schedule which should be expected to vary at times. Generally, days and hours of work are Monday through Friday, between the hours of 8:00am-6:00pm Regular, predictable attendance is required, including in excess of 40 hours as business demands dictate The position does not require travel Be able to perform activities such as: viewing a computer terminal, extensive reading, bending, and kneeling Significant portions of daily assignments involve application of manual skills requiring motor coordination in combination with finger dexterity Remain in a stationary position up to 100% of the workday Constantly operate a computer and other standard office equipment 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Job DescriptionWhy GLS?Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. What you will do as an Inside Sales Representative at GLS?Come join our growing team! GLS is currently seeking experienced, motivated team players for our Inside Sales Specialist opportunities in our Greenville, SC office! This key role will be responsible for building strong business relationships with our GLS dealership partners to secure new and additional business, as well as provide support on deals actively in the pipeline. How you will drive value within the organization as an Inside Sales Representative? Utilize your sales and negotiation skills to make 80-120 daily outbound calls to dealers to increase the deal pipeline Develop and maintain positive business relationships with dealers and serve as a customer success partner Use your strong customer service skills to answer incoming calls and inquiries from dealer partners regarding updates and active deals Work with dealer partners to collaborate and provide deal structure and decisions What should you already know to be a successful Inside Sales Representative? High school diploma required Previous experience in lead generation, inside sales, outbound calling required Ability to work in a goal driven environment and manage an assigned territory High comfort level working with various technology platforms for log information and call details (i.e. Salesforce, etc.) Excellent verbal and written communication skills with the ability to negotiate Strong internal motivation and desire for quality work Employment Requirements Remain in a stationary position up to 100% of the work day Constantly operate a computer and other standard office equipment Talk and hear to exchange accurate information Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading This position is full-time Ability to work 100% onsite with a rotational Saturday every other week About GLS: People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work! Competitive base pay and performance bonuses, dependent on role Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disability 401K with employer match and 100% immediate vesting Paid Time Off (PTO) and paid company holidays to help you balance work and personal life Paid Volunteer Time Off (VTO) Annually Tuition Reimbursement Parental Leave Business casual work environment 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Why GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment ***This posting is to enter our campus recruiting and entry-level process for position offers being made for May 2026*** What does it mean to be a Financial Analyst at GLS?As a Financial Analyst, you will maintain and update internal and external financial reports and provide monthly and quarterly financial analyses to company leadership. You will modify, as necessary, the corporate five-year financial model and evaluate strategic scenarios and maintain and modify the daily liquidity forecast and vintage cash flow models as well as other related corporate financial models.How will you drive value within the organization as a Financial Analyst? Assist in developing a comprehensive monthly financial report that serves as an internal record of the company's financial results, variances to budget, and current forecast Update and maintain the monthly financial report with timeliness and accuracy; develop new analyses or sections of the report as circumstances dictate Analyze and interpret the forecasted returns for loans originated by the company by updating and maintaining the vintage economics analyses Assist in developing a monthly report that analyzes defaults and recoveries from a financial perspective and assist in interpreting results for senior leadership Update and maintain the monthly financial reporting template that is distributed to the Board of Directors Develop other artifacts as directed by leadership to improve the company's financial reporting Review financial reports that are sent to external parties for accuracy Update and maintain the slide deck of financial results that is reviewed quarterly by the Board of Directors Provide support to the Accounting team in complex areas, including gain on-sale reporting and the calculation of provision expense What should you already know to be successful as a Financial Analyst? Minimum of bachelor's degree in Finance, Accounting, Economics, Mathematics, Statistics, or a related field required Working knowledge of accounting and financial concepts required Excellent analytical and problem-solving skills required Proficiency in Excel required High level of intellectual curiosity required including the inclination and ability to understand the drivers of financial results Strong oral and written communication skills Ability to effectively manage highly sensitive and confidential information, interact at all levels within the organization, and build cross-functional partnerships across the business Excellent organizational skills with high attention to detail and ability to effectively set and manage multiple conflicting priorities Proficient computer skills with working knowledge of standard business applications; ability to quickly learn new computer applications as required Employment Requirements: This is an exempt level position whereby business need will dictate the exact work schedule which should be expected to vary at times. Generally, the days and hours of work are Monday through Friday, 8:30am-5:30pm Regular, predictable attendance is required, including in excess of 40 hours per week as business demands dictate Evening and weekend work may be required as job duties demand The position does not require travel Significant portions of daily assignments involve application of manual skills requiring motor coordination in combination with finger dexterity Remain in a stationary position up to 100% of the workday Be able to perform activities such as: viewing a computer terminal, extensive reading, bending, and kneeling 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

Job DescriptionWhy GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment ***This posting is to enter our campus recruiting and entry-level process for position offers being made for May 2026*** What does it mean to be a Software Developer at GLS?As a Software Developer, you will develop cutting-edge software - from building integration microservices and productivity tools to real-time credit engines, web services, and end-user applications. You will work on projects that will allow you to build automation and interfaces that make GLS a world-class company. How will you drive value within the organization as a Software Developer? Execute the full software development life cycle (SDLC) Develop server-side code for high-volume web-based applications; use (Javascript, HTML, CSS, etc.. ) to create and develop web user interfaces Use object-oriented programming languages (Python, C#, Java, etc.) to create robust, scalable, automation solutions to save time and resources and/or increase profitability Interpret data, and analyze results using structured query language (SQL); modify XML data using XPATH,XSLT; share data between services using JSON Document tasks, applications, and systems; participate in peer code reviews; develop and execute test plans; perform load-testing; implement changes; do feature validations Continue education to stay up to date on emerging technologies and best practices; identify ideas to improve system performance and availability Develop performance monitoring tools, troubleshoot, and debug existing systems; work with experienced team members to conduct root cause analysis What should you already have to be successful as a Software Developer? External candidates require a Bachelor's degree in Computer Science, Computer Engineering with a Software focus, or a related field Proficient computer skills and ability to quickly learn new computer applications as required. Working knowledge of SQL and/or Python preferred Strong written, verbal and interpersonal communication skills while presenting ideas in business-friendly and user-friendly language Intrinsically motivated with demonstrated ability to take initiative, identify needs, make recommendations for improvement, see recommendations through implementation, and evaluate improvements for effectiveness Exceptional interpersonal skills: friendly and tactful with the ability to influence others, effectively manage conflict, exercise sound judgment, effectively manage highly sensitive and confidential information, interact at all levels within the organization, and build cross-functional partnerships across the business Employment Requirements: This is an exempt level position whereby business need will dictate the exact work schedule which should be expected to vary at times. Generally, days and hours of work are Monday through Friday between the hours of 8:00am-6:00pm Regular, predictable attendance is required, including in excess of 40 hours as business demands dictate Evening and weekend work may be required as job duties demand The position does not require travel Constantly operate a computer and other standard office equipment Talk and hear to exchange accurate information Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

**Our mission is to make higher education accessible and affordable for everyone.** We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast. We build tools that help people feel in control of their financial future, including: + **Private student loans** - low rates, people-first service, and flexible payments. + **Student loan refinancing** - break free from high-interest rates or monthly payments. + **Scholarships** - access to thousands of scholarships to help students pay less. Earnies are committed to helping students live their best lives, free from the stress of student debt. If you're as passionate as we are about our mission, read more below, and let's build something great together! **The Senior Lifecycle Marketing Manager position will report to the Director of Performance Marketing.** **As the Senior Lifecycle Marketing Manager, you will:** + Provide senior leadership and stakeholders with campaign performance reports, including data-driven recommendations for future campaign optimization and strategic plans for growing the impact of lifecycle marketing through new channels and capabilities. + Own customer journey development, including strategy, creative briefing, audience segmentation, journey pathing, campaign execution, creative testing, analytics measurement, and campaign performance readouts. + Collaborate cross-functionally with Product, Data & Analytics, Client Happiness, Creative, and Legal teams to deliver high-impact lifecycle programs. **Your Impact:** + As the Senior Lifecycle Marketing Manager, you will play a strategic role in shaping the customer journey and executing lifecycle campaigns that drive deeper engagement, retention, and customer lifetime value across Earnest products. + You will be responsible for leading some of Earnest's most important initiatives, ensuring flawless campaign execution, delivering revenue and engagement growth, and driving innovation across lifecycle marketing strategies. **About You:** + 6+ years of experience in a business-to-consumer email marketing or lifecycle marketing role in a corporate or agency environment + 4+ years of experience developing lifecycle/CRM engagement program + Proven ability to present campaign strategies, performance, and recommendations to senior leadership + Able to apply a test-and-learn mindset grounded in analytics, using statistical rigor and data visualization to identify significant results, diagnose funnel drop-offs, and prioritize next best actions + Experience developing marketing plans that balance financial objectives and customer experience goals + Expertise in audience segmentation and targeting using database and real-time event data + Strong data analysis skills and knowledge of BI tools such as Looker or Tableau + Experience with enterprise marketing automation tools - Braze preferred (others valuable: Iterable, Customer.io, Salesforce Marketing Cloud, Adobe Campaign, Eloqua, Responsys) **Even Better:** + Experience with programmatic marketing scripting languages (Liquid preferred; AmpScript, GTL also valuable) + Experience building and optimizing automated campaigns and experimentation frameworks + Strong project management skills with tools such as Jira, Workfront, or Basecamp + Very strong attention to detail and strict adherence to QA processes **Where:** + This role will be based in the United States A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate's starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future. Pay Range $135,000-$170,000 USD **Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:** + Health, Dental, & Vision benefits plus savings plans + Mac computers + work-from-home stipend to set up your home office + Monthly internet and phone reimbursement + Employee Stock Purchase Plan + Restricted Stock Units (RSUs) + 401(k) plan to help you save for retirement plus a company match + Robust tuition reimbursement program + $1,000 travel perk on each Earnie-versary to anywhere in the world + Competitive days of annual PTO + Competitive parental leave **What Makes an Earnie:** At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other: + **Every Second Counts** : Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success. + **Choose To Do Hard Things** : We win by tackling the hard things that others avoid, fueled by grit and resilience. + **Pursue Excellence** : Great companies, teams, and individuals never settle and are proud of the work that they do. What's good enough today won't be good enough tomorrow. Excellence isn't a destination; it's a mindset of continuous improvement. + **Lead Together** : Our success comes from how we work together. Leadership is not about titles-it is about action. We take ownership, drive results, and move forward as a team. + **Don't Take Yourself Too Seriously** : We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient. **At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.** _Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance._

Why GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment What does it mean to be a Credit Specialist II at GLS?The Credit Specialist II is responsible for reviewing all requests for exceptions to established credit policy to ensure such exceptions meet company tolerance. This position will also serve as a primary resource for departmental training initiatives. How will you drive value within the organization a Credit Specialist II ? Work in conjunction with senior leadership to establish, document, continuously evaluate, and modify as necessary the criteria for loans that may qualify for an exception Review all requests for exceptions to established credit policy to ensure such exceptions meet company tolerance Provide meaningful and timely coaching and feedback related to exception requests that are not within company tolerance Track, document, and report to senior leadership trends related to policy exceptions Act as the primary resource in the development and delivery of departmental training Foster a collaborative culture that facilitates the achievement of business plan objectives by working closely with other associates and members of management What should you already know to be successful as a Credit Specialist II? Minimum of bachelor's degree required A minimum of five (5) years of underwriting experience required Thorough knowledge of credit-related laws, consumer lending/underwriting concepts, practices, and procedures required Ability to multi-task, prioritize, and effectively manage and work within a team Ability to solve problems under pressure and provide creative solutions when necessary Proficient computer skills with working knowledge of internet and standard business applications such as Microsoft Office; ability to quickly learn new computer applications as required Commitment to exemplifying the organizational core values and key competencies Employment Requirements: Talk and hear to exchange accurate information Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading This is an exempt-level position whereby business needs will dictate the exact work schedule which should be expected to vary, at times coverage until 8:00p may be necessary The position does not require travel 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

American Credit Acceptance (ACA) is seeking a highly experienced and strategic Principal Security Architect to lead the design and implementation of secure architectures across our hybrid environment, including on-premise infrastructure, AWS, and Azure cloud platforms. This role will be pivotal in shaping our enterprise security posture, driving secure software development practices, and ensuring compliance with industry standards and regulatory requirements. Key Responsibilities Security Architecture Leadership Design and maintain enterprise-wide security architecture frameworks that support business objectives and risk management strategies. Lead the development of security reference architectures for cloud (AWS, Azure) and on-premise environments. Application Security Define and enforce secure coding standards and practices across development teams. Oversee the implementation and integration of DAST (Dynamic Application Security Testing) and SAST (Static Application Security Testing) tools into CI/CD pipelines. Collaborate with DevOps and engineering teams to embed security into the software development lifecycle (SDLC). Cloud Security Architect and implement security controls for AWS and Azure environments, including IAM, encryption, logging, and monitoring. Evaluate and integrate cloud-native security services (e.g., AWS Security Hub, Azure Defender). On-Premise Security Ensure legacy and hybrid systems are aligned with modern security standards. Lead risk assessments and remediation strategies for on-premise infrastructure. Governance, Risk & Compliance Align security architecture with NIST, ISO 27001, and other relevant frameworks. Support internal and external audits, and ensure compliance with regulatory requirements (e.g., SOX, HIPAA, PCI-DSS). Collaboration & Leadership Serve as a trusted advisor to executive leadership on security strategy and risk. Mentor junior architects and security engineers, fostering a culture of security-first thinking. Required Qualifications 10+ years of experience in cybersecurity, with at least 5 years in a security architecture role. Deep expertise in application security, including hands-on experience with DAST and SAST tools (e.g., Veracode, Fortify, Burp Suite). Proven experience designing secure architectures in AWS and Azure environments. Strong understanding of network security, identity and access management, encryption, and threat modeling. Familiarity with on-premise infrastructure and hybrid cloud models. Certifications such as CISSP, CCSP, AWS Certified Security - Specialty, or Azure Security Engineer Associate are highly desirable. Preferred Attributes Excellent communication and stakeholder management skills. Ability to translate complex security concepts into business-friendly language. Experience working in regulated industries or with compliance-heavy environments. 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. 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.