Staff Software Engineer, Consumer 360

Credit Acceptance Corporation; United States; Hybrid; USD 155,000 - 227,000; Full time

Benefits offered by this job

401(k) match

Adoption assistance

Parental leave

Tuition reimbursement

Comprehensive medical/dental/vision

Flexible work options

Job summary

Credit Acceptance is seeking a Staff Software Engineer to lead the design and delivery of cloud‑native Java services on AWS. You will drive technical direction, architecture decisions, and coding standards while mentoring engineers and collaborating with business partners.

You will work on Consumer360, building secure, AI‑driven customer context APIs and agent tools. This role follows a hybrid schedule with two remote days and three in‑office days weekly at the local office.

Qualifications

• Bachelor’s degree in Computer Science, Information Systems, or closely related field; or equivalent work experience.
• Minimum 8 years of software engineering experience or comparable depth of experience.
• Experience leading a team of software engineers across multiple applications.
• Expert hands‑on Java (17/21) and SpringBoot: building and operating production REST and event‑driven services on AWS.
• Practical experience with AI‑assisted delivery: spec‑driven development, test automation, CI/CD (GitHub Actions).
• Experience with API design: REST/JSON, OpenAPI, and contract testing (Pact).
• Experience with cloud platforms on AWS, containers on Kubernetes, observability and reliability practices.

Responsibilities

• Design, build and continuously improve cloud‑native Java21 / SpringBoot services on AWS.
• Lead spec‑driven development with automated tests and consumer/provider contracts.
• Modernize Consumer360 systems: upgrade runtimes and migrate on‑prem workloads to AWS.
• Mentor engineers and define coding and testing standards.
• Own delivery flow end to end to reduce requirement‑to‑production time.
• Design, build, evaluate and operate production AI agents on AWS (Bedrock AgentCore, Spring AI).
• Lead AI‑assisted delivery models with written specs and gated approvals.
• Document systems for humans and AI agents with READMEs, agent instructions, and API specs.

Skills

Java

SpringBoot

AWS

Kubernetes

GitHub Actions

Pact

OpenAPI

AI‑First Delivery

Education

Bachelor’s degree in Computer Science or related field

Tools

Java

SpringBoot

AWS

Kubernetes

GitHub Actions

Bedrock/AgentCore

Job description

Credit Acceptance is proud to be an award‑winning company recognized both locally and nationally across multiple workplace categories. Our world‑class culture is shaped by dedicated team members who are driven to succeed as professionals individually and together as a team. Backed by a strong product, exceptional people, and a stable financial foundation, we’ve grown into a leading provider of used and new car financing across the country. 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!

The Staff Software Engineer is a technical leader responsible for designing and delivering scalable, high-quality software solutions that support business objectives across multiple applications and systems. This role drives technical design, architecture decisions, coding standards, and engineering best practices while solving complex technical challenges and ensuring long‑term maintainability and reliability. Working across teams, the Staff Software Engineer provides technical direction, conducts impact analysis, evaluates solution options, and leads initiatives that improve engineering effectiveness. The role mentors engineers, influences technical strategy, promotes continuous learning, and collaborates with business and technology partners to deliver innovative and efficient solutions.

On Consumer360, you will be the senior technical leader for the cloud‑native Java services on AWS that give our customers, servicing teams and AI agents accurate, secure customer context: profile and preferences, privacy requests, consumer APIs and identity tokens, and the integrations and workflows behind them. This is an AI‑first role. You will set the bar for spec‑driven, agent‑assisted delivery, and you will design, build and operate production AI agents and the secure APIs and agent tools (such as Model Context Protocol servers) that let other teams’ agents use customer context safely. This position follows a hybrid work model, offering two work‑from‑home days and three standard in‑office days each week with the team and key stakeholders at the local office.

Outcomes and Activities:

• Design, build and continuously improve cloud‑native Java21 / SpringBoot services on AWS, using AI coding agents as everyday tools while owning the correctness, security and maintainability of every change
• Practice spec‑driven development: start each behavior change from a written spec with acceptance criteria and requirement IDs, ship the spec with the code, and back it with automated unit, integration and consumer/provider contract tests (e.g., Pact) that block the merge when they fail
• Lead incremental modernization of Consumer360 systems: upgrade Java11 / SpringBoot2 services to current runtimes, move ActiveMQ integrations to managed, event‑driven messaging, and migrate on‑premises workloads and databases to AWS, using facades, side‑by‑side comparison and safe cutover rather than big‑bang rewrites
• 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 systems so both people and AI agents can build, test, run and safely change them: READMEs, agent instruction files (e.g., AGENTS.md), API and event specs, and short decision records for significant design choices
• Debug the problems which arise in production and propose effective solutions within the application and across multiple applications
• Read, write and review design documents
• Own delivery flow end to end: measure and shorten requirement‑to‑production time by removing bottlenecks in specs, reviews, environments, pipelines and cross‑team dependencies
• 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
• Design, build, evaluate and operate production AI agents on AWS (Amazon Bedrock AgentCore, Spring AI), and expose customer context to other teams’ agents through secure, versioned APIs and governed agent tools (e.g., MCP), with guardrails, offline and online evaluations, observability, cost controls and human review where customer impact requires it
• Lead the team’s AI‑assisted delivery model from written spec through deployment: evolve its agentic workflows, keep human approval gates, and measure success by quality and lead time rather than tool usage

Competencies:

• 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
• Minimum8years 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, hands‑on Java (17/21) and SpringBoot: building and operating production REST and event‑driven services, with strong object‑oriented design and design patterns
• Practical experience with modern, AI‑assisted delivery: spec‑driven development, test automation, CI/CD in GitHub Actions and small, frequent releases
• 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
• Hands‑on experience designing, deploying and operating cloud‑native services on AWS, including containers on Kubernetes (e.g., Amazon EKS), GitOps, IAM and secrets management, observability and reliability practices such as SLOs
• Hands‑on experience designing, building, evaluating and operating at least one LLM‑powered agent in production: secure tool use (e.g., function calling, MCP), retrieval where needed, offline and online evaluation, guardrails, observability and human oversight for consequential actions
• Preferred: Advanced use of AI‑native development tools (GitHub Copilot, Claude Code or similar agents in the IDE and CLI), including writing custom instructions, reusable skills and commands, hooks and MCP integrations that make the whole team faster
• In‑depth creation of APIs and frameworks: REST/JSON and legacy SOAP web services, JUnit5 and Mockito, WireMock, consumer‑driven contract testing (Pact), and GitHub with GitHub Actions
• Experience in API security, analytics, throttling, caching, logging, request and response modifications
• Experience with API‑first design: versioned OpenAPI and event schemas agreed before code and published for consumers, people and agents alike
• Ability to use DDL to create database objects and relationships, construct advanced queries, and optimize query performance
• Financial services industry experience
• Experience with customer data in a regulated business: customer master data and identity resolution, consent and privacy‑request fulfillment, and sensitive data exchanges such as creditor‑bureau reporting and disputes (e.g., Metro2, e‑OSCAR)
• Experience with AI agent platforms and frameworks (Amazon Bedrock and Bedrock AgentCore, Spring AI or LangChain4j; Python agent frameworks a plus) and with LLM evaluation, guardrail and observability tooling

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
• Sound judgment about where AI should and should not act: redesigns a workflow before automating it, sets clear tool and action boundaries for agents, keeps people in the loop for customer‑impacting decisions, and evaluates AI output for accuracy, safety (including prompt injection and data leakage) and bias
• Cost‑and‑value‑aware engineering: understands the cost drivers of cloud and AI workloads (compute, storage, data transfer, model tokens) and makes evidence‑based trade‑offs among customer experience, reliability, speed and spend
• Consumer360 role‑specific behaviors
• AI‑First Mindset: Starts from AI when building and running software. Redesigns the work before automating it, uses agents to multiply the team’s capacity, and stays fully accountable for the quality, security and cost of everything AI produces.
• Customer Data Stewardship: Treats customer data as a trust obligation. Protects personal information, honors consent and privacy choices, and respects clear data ownership and authoritative sources so customers, colleagues and agents see accurate context.

Target Compensation:

A competitive base salary range from $154,837 – $227,095. This position is eligible for an annual variable bonus of cash and equity, between 10-20%. 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 must reside in or be willing to relocate to one of the following hub locations: the greater Southfield, Michigan, area; the greater Bellevue, Washington, area; or the San Francisco Bay Area, California.

Benefits:

• 401(K) match
• Adoption assistance
• Parental leave
• Tuition reimbursement
• Comprehensive medical/dental/vision
• Many nonstandard benefits that make us a Great Place to Work
• Competitive compensation, including bonus and profit‑sharing opportunities
• Comprehensive benefits that support your health, well‑being, and financial future
• Technology, tools, and resources designed to help you do your best work
• Opportunities to make an impact while helping customers, dealer partners, and communities succeed
• A collaborative culture where diverse perspectives, curiosity, and new ideas are valued
• Meaningful career growth through internal mobility, development, and learning opportunities
• Flexible work options, including remote, hybrid, and onsite opportunities based on team

Our Company Values:

• 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

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.