Credit Acceptance is a leading indirect auto finance company that enables car dealers to sell vehicles to consumers on credit regardless of their credit history. They offer financing programs through their Portfolio and Purchase Programs, providing opp...

Credit Acceptance

Credit Acceptance is proud to be an award-winning company with local and national workplace recognition in multiple categories! Our world-class culture is shaped by dedicated Team Members who share a drive to succeed as professionals and together as a company. A great product, amazing people and our stable financial history have made us one of the largest used car finance companies nationally. 
 
Our Engineering and Analytics Team Members utilize the latest technology to develop, monitor, and maintain complex practices that help optimize our success. Our Team Members value being challenged, are encouraged to express their ideas, and have the flexibility to enjoy work life balance. We build intrinsic value by partnering with all functions of our business to support their success and make strategic business decisions. We focus on professional development and continuous improvement while enjoying a casual work environment and Great Place to Work culture! 
 
We are seeking a highly driven and innovative Senior Software Engineer to take ownership of end-to-end solutions, drive innovation, and deliver exceptional results. The ideal candidate is a self-starter with strong technical expertise, a collaborative mindset, and a passion for continuous improvement. 
 
Outcomes and Activities: 
 


* This position will work from home; occasional planned travel to an assigned Southfield, Michigan office location may be required. However, this position is permitted to work at a Southfield, Michigan office location if requested by the team member
* Design and develop software and improve existing code to make it more efficient to detect bugs in the code
* Write unit-tests and validate your software against acceptance criteria
* Author, apply and advocate for team coding, documenting and testing standards
* Conduct impact analysis to proactively identify impact of a change across multiple applications
* Learn the business process domain to better support the business
* Experiment and test ideas, validate assumptions against needs, reach conclusions and recommend solutions
* Lead code reviews and communicate application changes
* Document code and projects so others can easily understand, maintain and support
* Debug the problems which arise in production and propose effective solutions within the application and across multiple applications
* Read, write and review design documents
* Contribute to team's sprint commitments and actively participate in our Agile practices
* Lead continuous learning activities to improve design and code quality as well as to increase application domain knowledge
* Participate in the talent selection process
* Guide and review the code, designs and documentation of less experienced software engineers 
 
 

Competencies: The following items detail how you will be successful in this role 
 

* Customer Empathy: Customer Empathy is the ability to understand the perspectives, pain points, and experiences of customers. It involves actively putting oneself in the customer’s shoes, comprehending their needs and challenges, and using that understanding to provide a better, more customer-centric experience.
* Engineering Excellence: Engineering Excellence is about bringing great craftsmanship and thought leadership to deliver an outstanding product that delights customers and solves for the business. This involves the pursuit and achievement of high standards, best practices, innovation, and superior solutions.
* One Team: A One Team mindset refers to a collaborative approach across the organization, where individuals work together seamlessly, without boundaries, as a single, cohesive team. Shared goals, open communication and mutual support create a sense of collective purpose. This enables teams to navigate challenges and pursue shared objectives more effectively.
* Owner’s Mindset: Owner’s Mindset involves adopting a set of behaviors that reflect a sense of responsibility, accountability, strategic thinking, and a proactive approach to managing your domain. As an owner, you understand the business and your domain(s) deeply and solve for the right outcome for the domain(s) and the business. 
 
 

Requirements: 
 


* Bachelor’s degree in Computer Science, Information Systems, or closely related field of study; or equivalent work experience
* Minimum 5 years of software engineering experience or comparable depth of experience
* Strong understanding and use of one or more object-oriented programming languages and design patterns. 4+ years of recent enterprise Java 8+ development of highly loaded cloud services
* Strong proficiency in software engineering principles, microservice architecture, code and system design patterns.
* Strong understanding and use of one or more object-oriented programming languages and design patterns
* Practical experience in Software Development Life Cycle (SDLC) including Agile/SCRUM and Waterfall
* Ability to write and maintain comprehensive technical documentation and advocate your design in front of senior members
* Practical experience in data modeling, design and messaging
* Experience working on mission-critical enterprise class applications
* Demonstrated ability to coach and mentor less experienced team members
* Willingness to participate in an on-call rotation 
 
 

Preferred Qualifications: 
 


* Master’s degree in Computer Science or related field
* 10+ years of software engineering experience, including 5+ years leading cross-functional teams and driving technical initiatives
* Experience transitioning from monolithic/SOA systems to scalable, resilient microservices
* Expertise in API design, optimization, and security for high-throughput, low-latency environments
* Extensive experience with Java and GraalVM frameworks (e.g., Quarkus, Micronaut), along with proficiency in additional languages like Golang, Kotlin, C++, or Rust for developing high-performance cloud-native services
* Strong database optimization skills and experience designing high-availability solutions
* Familiarity with AWS, Docker/Kubernetes, observability tools, and CI/CD pipelines
* Strong communication skills, able to effectively advocate technical concepts to both technical and non-technical audiences 
 
 

Target Compensation: A competitive base salary range from $130,047 - $190,736. This position is eligible for an annual variable cash bonus, between 7.5 - 15%. Final compensation within the range is influenced by many factors including role-specific skills, depth and experience level, industry background, relevant education and certifications. 
 
Candidates who reside in the following major metropolitan areas may be eligible for a premium on top of the posted range based on their specific zone: San Francisco, Seattle, Boston, New York City, Los Angeles and San Diego. 
 
INDENGLP 
 
#zip 
 
Benefits 
 


* Excellent benefits package that includes 401(K) match, adoption assistance, parental leave, tuition reimbursement, comprehensive medical/ dental/vision and many nonstandard benefits that make us a Great Place to Work 
 
 

Our Company Values: 
 
To be successful in this role, Team Members need to be: 
 

* Positive by maintaining resiliency and focusing on solutions
* Respectful by collaborating and actively listening
* Insightful by cultivating innovation, accumulating business and role specific knowledge, demonstrating self-awareness and making quality decisions
* Direct by effectively communicating and conveying courage
* Earnest by taking accountability, applying feedback and effectively planning and priority setting 
 
 

Expectations: 
 


* Remain compliant with our policies processes and legal guidelines
* All other duties as assigned
* Attendance as required by department 
 
 

Advice! 
 
We understand that your career search may look different than others. Our hiring team wants to make sure that this would be a fit not just for us, but for you long term. If you are actively looking or starting to explore new opportunities, send us your application! 
 
P.S. 
 
We have great details around our stats, success, history and more. We’re proud of our culture and are happy to share why – let’s talk! 
 
Required degrees must have been earned at institutions of Higher Education which are accredited by the Council for Higher Education Accreditation or equivalent. 
 
Credit Acceptance is dedicated to providing a safe and inclusive working environment for all. As part of our Culture of Compliance, we are proud to be an Equal Opportunity Employer and value our culturally diverse workforce. All qualified applicants will receive consideration for employment regardless of the person’s age, race, color, religion, sex, gender, sexual orientation, gender identity, national origin, veteran or disability status, criminal history, or any other legally protected characteristic. 
 
California Residents: Please click here for the California Consumer Privacy Act (CCPA) notice regarding the personal information Credit Acceptance may collect from you. 
 
Play the video below to learn more about our Company culture.