Credit Acceptance is proud to be an award-winning company with 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 in the United States.

In this role, you will work as a dedicated member of a globally distributed team, partnering closely with business partners in the U.S. to design, build, and scale solutions that directly impact our customers and operations. While your legal employer will be our EoR partner, you will be fully integrated into our Credit Acceptance team for day-to-day work and collaboration.

Put AI to work where it changes lives: We are looking for a Senior Software Engineer for our Enterprise AI Enablement team. In this role, you will work as a dedicated member of a globally distributed team, partnering closely with business partners in the U.S. You will design, build, test, and ship production software that uses modern AI capabilities to improve workflows for dealers, consumers, and team members. This is a hands-on engineering role focused on turning problems into reliable, maintainable solutions.

Build for leverage: You will develop and implement solutions designed for reuse across enterprise workflows. You will own features that act as pluggable building blocks for multiple solutions, while staying close to implementation details, quality, telemetry, and production outcomes.

 

This position will work remotely from India.
 

Outcomes and Activities:

• Work closely with customers, product partners, and team members to understand workflows, clarify requirements, and translate needs into well-scoped technical deliverables.

• Build applied AI capabilities across high-value enterprise workflows such as automation, document intelligence, decision support, fraud intelligence, and intelligent assistants.

• Implement context-aware agentic systems that orchestrate tools, APIs, reasoning steps, and business logic using established architecture patterns

• Identify when existing agents, models, APIs, or platform capabilities can be reused and contribute to practical build vs. reuse recommendations.

• Stay current on practical AI engineering patterns and bring forward ideas that improve quality, speed, or customer value.

• 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

• High ownership, sound judgment, and ability to operate effectively in partially defined or ambiguous problem spaces, with a bias for action.

• Working knowledge of AI-enabled systems, including LLM powered applications, agentic and tool-based workflows, prompt and context engineering patterns, model integration and evaluation

• Strong grasp of software engineering fundamentals, including system design, APIs, CI/CD, version control, and disciplined development workflows

• Strong understanding and use of one or more object-oriented programming languages and design patterns

• 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:

• Advanced degree in Computer Science, Machine Learning or related field

• Experience building generative AI capabilities in production or production-like environments

• Experience with reliability, observability, evaluation, guardrails, or compliance considerations for AI-enabled systems.

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

CTC Range: ₹38.81.995  – ₹56.93.592

Total Compensation (CTC): Final CTC will be shared during the offer stage and will include all compensation components in detail as per EoR vendor's structure. 

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

This role is hired through an Employer of Record (EoR) partner in India.

• You will be legally employed in India through our EoR partner

• While your legal employer is the EoR partner, you will work full-time and be fully aligned to Credit Acceptance

• Your day-to-day work, responsibilities, and performance expectations will be consistent with our global team members

• You will receive locally compliant payroll, benefits, and statutory coverage through the EoR partner

 

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:

• Regularly overlap with U.S. business hours to support collaboration with global team members.

• Remain compliant with our policies, processes and guidelines

• All other duties as assigned

• Attendance as required by department

Play the video below to learn more about our Company culture.