Software Engineer, Consumer

Staff Software Engineer, Consumer 360# Credit Acceptance Careers## Staff Software Engineer, Consumer 360

Apply:
California
- San Francisco Bay Area Hybrid:
Washington
- Bellevue Hybrid:
Michigan
- Southfield Office Hybrid:
Full time:
Posted Yesterday:
R14013

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, build and continuously improve cloud-native Java 21 / Spring Boot 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 Consumer 360 systems: upgrade Java 11 / Spring Boot 2 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 Agent Core, 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…