Senior Staff Software Engineer, Consumer Experience

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.

Check out the role overview below If you are confident you have got the right skills and experience, apply today.

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!

At Credit Acceptance, we are embarking on an exciting journey to deliver amazing omni-channel digital experiences to our Consumers to guide them to the next best step in their financial journey. In this role, you will be responsible for leading the strategy and cross-platform development (iOS, Android and Web) and crafting the vision and architecture for delivering personalized data-driven experiences.

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

Evolve and transform the design and architecture of applications towards leading edge technologies and practices

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 and align technologies with the business process

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, including recommendations for process improvement

Lead continuous learning activities to improve design and code quality as well as to increase application domain knowledge

Participate in the talent selection process

Act as a mentor to 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 10 years of software engineering experience or comparable depth of experience

Experience in the lead role overseeing technical direction of a team of software engineering talent across multiple applications

Expert understanding and use of multiple object-oriented programming languages and design patterns

Extensive experience in Software Development Life Cycle (SDLC) including Agile / SCRUM and Waterfall

Extensive 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 :

Demonstrated work experience in creating solutions to personalized omnichannel journeys across web and mobile applications

Demonstrated experience integrating Agentic AI in servicing use cases

In-depth usage and creation of application programming interfaces (API) and frameworks in their particular field : JSON, Rest / SOAP based Web Services, JUnit, Jenkins and GitHub preferred

Experience in API security, analytics, throttling, caching, logging, request and response modifications

Experience in creating REST API documentation using Swagger or similar tools desirable

Ability to use DDL to create database objects and relationships, construct advanced queries, and optimize query performance

Financial services industry experience

Knowledge and Skills :

Ability to challenge the status quo and influence stakeholders to create innovative solutions

Be collaborative with other team members, seeking a diversity of thought to meet business outcomes

Ability to foster strong relationships across the organization

Bring a strong understanding of relevant and emerging technologies, provide input and coach team members and embed learning and innovation in the day-to-day

Experience and understanding of how to connect the work being done and how it drives business value

Ability to communicate complex technical information (both verbal and written) to all levels, including senior leadership

Target Compensation : A competitive base salary range from $182,601 - $267,816. This position is eligible for an annual variable cash bonus, between 15 - 30%. Bonus amounts are based on individual performance. 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

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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.

Remote working / work at home options are available for this role.