At Credit Acceptance, we are building on the foundation of a successful business while investing in the future through technology, data, AI, and continuous improvement. As we continue to evolve, our Team Members play an active role in improving experiences, driving meaningful change, and shaping the future of our business. We foster an environment where people are empowered to contribute ideas, develop their careers, make an impact, and help lead our continued transformation.

Our Engineering teams are helping shape the future of Credit Acceptance through innovation. Team Members collaborate across the organization to solve complex challenges, build impactful solutions, challenge the status quo, and support informed business decisions. We value curiosity, continuous learning, and new ideas from people who are passionate about driving modernization and meaningful business impact.

Outcomes and Activities:

• 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 a related field—or equivalent practical experience.
• 7+ years of professional software development experience.
• Strong proficiency in Golang and solid object-oriented programming skills.
• Practical experience in Software Development Life Cycle (SDLC) including Agile/SCRUM and Waterfall.
• Practical experience in data modeling, design and messaging.
• Experience working on mission-critical enterprise class applications.
• Proven experience designing, building, and scaling high-load microservices and APIs using modern architectural principles and design patterns.
• Proven track record of leading feature development from requirements and documentation to implementation and production rollout, while coordinating effectively across teams.
• Strong communication and collaboration skills, especially in working closely with product management to translate requirements into scalable solutions.
• Comfortable working autonomously while coordinating effectively with peers and technical leadership.
• Demonstrated ability to coach and mentor less experienced team members.
• Willingness to participate in an on-call rotation and support production systems as needed.

Preferred Qualifications

• Master’s degree in Computer Science or a related field.
• Proficiency in Go (Golang) or experience with other high-performance languages like Kotlin, Rust, C#, C++ or similar.
• Experience transitioning systems from monolithic to microservice architecture.
• Strong database tuning and query optimization skills for both PostgreSQL and Oracle.
• Familiarity with CI/CD pipelines, containerization (Docker, Kubernetes), and infrastructure tools like Terraform or CloudFormation.
• Experience with observability tools (e.g., Datadog, Dynatrace, Prometheus) and understanding of SRE best practices.

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

Target Compensation: This position offers a competitive base salary, with a range of $156,056 - $218,479.

This position is eligible for an annual variable cash incentive, between 7.5 - 15%. Actual amounts are based on individual performance.

Final compensation within the range is influenced by many factors including assigned hub location, role-specific skills, depth and experience level, industry background, relevant education and certifications. 

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 a local office.

INDENGLP

#zip

#LI-Hybrid

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 an inclusive environment for all. We are proud to be an Equal Opportunity Employer and value a culturally diverse workforce. We believe in ensuring all team members demonstrate mutual respect for one another. All qualified applicants will receive consideration for employment without regard to protected characteristics like age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

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.