Credit Acceptance Corporation

Set enterprise architecture and AI-agent strategy, guide migration and modernization, and remain hands-on while influencing technical direction across the organization. | Requires 10+ years of engineering experience plus a demonstrated record of enterprise-scale strategy, production agent architecture, major legacy migrations, executive influence, and developing senior engineers. | 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! Credit Acceptance makes vehicle ownership possible for consumers other lenders decline, through a dealer network, an originations and servicing platform, and pricing and decisioning models refined over decades. The technology estate underneath this business was built project by project over a long period, and modernizing it is the largest engineering opportunity at the company. As the Distinguished Engineer, you are the senior-most individual contributor in Technology, reporting directly to the Chief Technology Officer. You will set the multi-year technical strategy for the company while staying close enough to the code and systems to remain credible — this is not an architect role that reviews designs from a distance, nor a strong engineer role that goes deep in a single domain. Two things sit at the center of the job: the target architecture for the enterprise, and the architecture for running AI agents across it. You will not own a team; you will own the hardest technical problems the company has, and get them resolved by convincing the people who do own the teams. Outcomes and Activities • Enterprise target architecture: Convene the principal and staff engineers who own each domain to define the end-state architecture across originations, servicing, marketplace, data, and AI, and use it to drive the multi-year plan. Ensure every component has a defined interface with stated inputs and outputs, every unmade decision has a written principle standing in for it, and the document states honestly how close the organization is to the end state. Publish the architecture, including the tradeoffs that were rejected and why. • Agentic AI architecture across the enterprise: Own the enterprise agent architecture spanning servicing and collections, the dealer side, originations, and internal engineering and back-office workflows, built on one common foundation rather than one stack per team. Establish a governed way for agents to discover and call business capabilities, data, and tools, using the Model Context Protocol as the integration layer. Define an identity and authorization model that treats an agent as a first-class actor with its own least-privilege entitlements, along with observability, evaluation, and cost controls that work consistently for every agent. Set policy on what an agent may decide independently versus what stays with a person, and define where that line moves and on what evidence. Design the architecture to produce an examiner-ready record of what each agent saw, recommended, and touched, and set the evaluation and adversarial testing approach that makes agent outcomes defensible. Ensure the same foundation and controls apply to agents built by outside firms on the company's behalf. • Migration off on-premises infrastructure: Own the technical strategy for migrating transactional and analytical workloads off on-premises infrastructure to the company's strategic targets — AWS for transactional workloads and Databricks for analytical workloads — determining what lifts and shifts, what replatforms, what gets re-architected on the way versus after, and what the steady-state cost looks like. Own the resilience and recovery architecture for the target state. • Data platform architecture: Set the architecture for change-data-capture-based ingestion, streaming where warranted, and a modern warehouse with no job-scheduling dependency, moving the organization from largely batch analytical data movement to real time. Help settle the open question of who owns the transactional and analytical data models. • Real-time decisioning, model serving, and experimentation: Architect for pricing and credit model and scorecard updates that drop in as a layer rather than requiring a multi-quarter rebuild, and for an experimentation platform that supports orders of magnitude more concurrent experiments than a conventional release process allows. • Marketplace and search architecture: Own the architecture and interfaces for a unified vehicle inventory, consumer search, and lead routing platform, ensuring the data model supports more than one class of seller from the start. • AI-native engineering practice: Define the golden path for how software is specified, generated, reviewed, tested, and deployed, including the analyzers and gates that enforce it, and measure the inputs to that practice rather than just the outputs. Hold the build-versus-buy bar for AI capability, building what is core competency and about to scale, and renting the rest. • Performance and peak readiness: Own the instrumentation, baseline, and remediation architecture needed to meet the standard that no page takes more than one second. Own peak-event headroom, including understanding the limits of each system and maintaining tested degradation levers ahead of need. • Operating approach: Move the organization from project-shaped systems toward owned platforms with stated contracts. Document every component's inputs and outputs, and be ready to argue why closely coupled components should not be consolidated into one. Work toward a two-week requirement-to-production iteration bar, treating architecture that cannot be delivered incrementally as unfinished. Name what comes off the plan whenever a change in direction is requested. Make the call and own the outcome on architectural recommendations. Treat security, privacy, auditability, and regulatory obligation as design inputs from the start in this regulated environment. • Hands-on, not hands-off: This is not optional. Stay personally engaged in the technical work rather than directing it from a distance. Join design reviews, write proofs of concept, read code, and engage in incident analysis. This hands-on time does not replace the work the teams own, and it is not a fallback when delivery slips. Every engineer in the organization will read how you write, how you argue a design, how you handle being wrong, and how you treat engineers who disagree with you as the bar. Staff and principal engineers should be measurably better at this work for having worked with you. • Success measures: A published target architecture the domain owners agree with and that the annual and long-range plans are actually written against; an enterprise agent foundation that internal teams and partners build on, with access controls, evaluation, and audit records in place; a credible, dated, costed migration path off on-premises infrastructure and demonstrated progress against it; measured improvement in chosen input metrics such as latency, availability, recovery objectives, deployment frequency, and experiment throughput; growth in the number of principal and staff engineers who are better at this work as a result of this role; and architectural decisions that stop being relitigated because the reasoning was written down and the interfaces were clear. Competencies The following items detail how you will be successful in this role. At this level, you are expected to set the standard for each. • 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 • A track record of setting and delivering multi-year technical strategy at enterprise scale, as an individual contributor rather than through a reporting line. • Depth in distributed systems architecture, and in at least two of: agentic or LLM-based systems in production; large-scale cloud migration of transactional systems; modern data platform and lakehouse architecture; machine learning platform and model serving; high-traffic consumer or marketplace applications. • Architecture ownership of agentic or LLM-based systems that reached production, including how tool and data access were governed, how the system was evaluated, and what its failure modes turned out to be. • Demonstrated ownership of a legacy-to-modern migration of systems the business runs on, including the sequencing, the cost case, and the failure modes, with production revenue at stake rather than only familiarity with the concept. • Hands-on credibility today: actively reads code, writes proofs of concept, joins design reviews, and participates in incident analysis. • Evidence of influence without authority across organizational boundaries, including work that changed direction at the executive level. • Strong written communication; architecture here is carried by documents that other people can act on without the author in the room. • Demonstrated ability to develop staff and principal engineers, and to raise the technical bar of engineers not directly managed. • Experience delivering in a regulated industry, or a clear ability to work inside audit, security, and compliance constraints without treating them as an obstacle. Preferred Experience • Recognized contribution beyond one employer, such as open source, standards work, publications, patents, or a sustained external technical presence. • Consumer lending, auto finance, insurance, or payments experience; or large-scale distributed systems experience supporting a business-critical function in another high-stakes domain. • The Model Context Protocol or comparable agent tool-integration standards, and identity and authorization design for non-human actors. • AWS and Databricks at production scale. • Experience standing up an experimentation platform, or moving an organization from tens to thousands of experiments per year. • Experience building AI-native development practice across a large engineering organization, and measuring whether it worked. • Marketplace, search, or inventory systems with more than one class of seller. Knowledge and Skills • Distributed Systems Mastery: Technical mastery across distributed systems and software architecture, with deep knowledge of current and emerging technologies and their business implications. • Enterprise Problem-Solving: Ability to solve enterprise-wide problems where no precedent exists and to own cross-team shared infrastructure. • Strategic Independence: Ability to define and execute technical strategy for the entire organization, partner closely with executives, mobilize resources, and drive consensus across stakeholders at all levels. • Visionary Leadership: Bold strategic thinking paired with curiosity, ingenuity, and resourcefulness; recognized industry-level thought leadership and a commitment to lifelong learning. • Customer and Market Insight: Company-wide expertise in customer needs, using deep customer and market understanding to shape product and technical strategy and anticipate the impact of industry trends. • Technical Writing: Ability to produce architecture documentation clear and complete enough for others to act on independently. • Executive Communication and Influence: Ability to build consensus and influence direction across organizational and executive boundaries without formal authority. • Talent Development: Ability to raise the technical bar of engineers across the organization, including staff and principal engineers who are not direct reports. Target Compensation: A competitive base salary range from $232,500 - $341,000. This position is eligible for equity and annual cash bonuses. 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 #zip #LI-Remote 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. Play the video below to learn more about our Company culture. Remote Skills: Access Control, Amazon Web Services (AWS), Analysis Skills, Architectural Design, Architectural Services, Artificial Intelligence (AI), Artificial Intelligence (AI) Agents, Auto Insurance, Automotive Financing, Best Practices, Business Strategy, Business Support, Cloud Computing, Communication Skills, Computer Science, Consensus Building Skills, Consumer Loans, Continuous Improvement, Cost Control, Customer Experience, Customer/Client Research, Data Collection, Data Modeling, Distributed Computing, Documentation, Emerging Technology, Engineering, Enterprise Architecture, Establish Priorities, Finance, Industry/Trade Analysis, Information Technology & Information Systems, Instrumentation, Large-Scale Systems, Leadership, Legal, Loans, Machine Learning, Metrics, Migration Strategy, Open Source, Patents, Privacy Controls, Problem Solving Skills, Product Pricing, Product Strategy, Production Systems, Proof of Concept, Publications, Regulations, Release Management/Engineering, Rentals, Safety/Work Safety, Sales, Scorecarding, Security Auditing, Software Architecture, Software Engineering, System Architecture, System Migration, System Test, Systems Analysis, Talent Management, Team Player, Technical Strategy, Technical Writing, Testing, Thought Leadership, Time Management, Warehousing, Writing Skills, Zip Credit Acceptance Corporation At Credit Acceptance, we are passionate about what we do. Our team members are intelligent, motivated, compassionate people who work hard and know how to have fun. We offer a strong work-life balance with many great benefits that start on day one. We focus first and foremost on striving to make our Company as valuable as possible, because we know it is the core of our success. Our team members are motivated by their desire to “Change Lives,” as well as by their fellow colleagues, Company leaders, competitive compensation, and career advancement opportunities. Credit Acceptance has been named to Fortune magazine’s annual “100 Best Companies to Work For” list for 11 years, ranking #34 in 2025. We’ve also been named to IDG's Computerworld Best Places to Work in IT-Midsize category for the past six years. Based on 2025 survey data, 95% of our team members believe Credit Acceptance is a Great Place to Work (GPTW). Learn more about us at: https://www.greatplacetowork.com/certified-company/27 Company Size: 2,000 to 2,499 employees Industry: Financial Services 1972 Website: http://www.creditacceptance.com

Lead and grow cross-functional engineering teams building distributed, API-driven, cloud-native platforms with AI integration. | Requires 5+ years leading engineering teams, technical leadership, Agile and DevOps experience, microservices and cloud expertise, and AI adoption experience. | 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 Software Engineering Manager II leads and grows cross-functional engineering teams that build and operate distributed, API-driven, cloud-native platforms. This leader is accountable for engineering excellence, delivery outcomes, and the technical health of the products their teams own — and for bringing modern AI capability into both the products we build and the way we build them. 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. • Leads and mentors team members on essential agile and product mindset tenets including early learning, self-organized teams, cross functionality, customer obsession, outcome focused, incremental delivery and test driven. • Participates in work planning processes to ensure the most important work is aligned to the appropriate team, that work is broken down enough that outcomes can be delivered incrementally. • Leads and mentors cross functional team members on building world class products that deliver customer delight and business value • Designs solutions to meet requirements for initiatives involving multiple team applications as well as applications owned by other teams. • Supports delivery teams to ensure process and technology standards are consistently followed to enable consistent delivery of value. • Develops and tracks delivery metrics while monitoring technical health of the product, informs progress toward delivery goals, and provides support appropriately when needed. • Builds effective teams by ensuring you have the right people and setting clear expectations • Monitors and evaluates team performance and continuously coach and mentor team members • Sets up your team for operational success by having a sound understanding on the system ecosystem, architecture, technologies and system domains and how these are used to achieve business outcomes. • Is an active participant in on-call escalation and incident management • Owns the design, delivery, and lifecycle governance of API platforms and services used across teams — driving contract-first design, versioning and deprecation discipline, reuse, and consumer experience. • Drives adoption of AI across the software development lifecycle (ADLC), establishing standards, guardrails, and measures of effectiveness for AI-assisted engineering within the team. • Guides the team in identifying, designing, and delivering AI-enabled capabilities — including agentic solutions — with appropriate evaluation, human-in-the-loop controls, observability, and responsible-use practices. 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 or equivalent experience. • Minimum of 5 years’ experience leading engineering teams. • Proven experience in technical leadership, capable of providing mentorship, cross-functional project execution, setting and executing on technical vision and strategy • Extensive experience implementing Agile and DevOps practices including but not limited to test driven, incremental releases, continuous integration, and deployment pipeline automation. • Experience in microservices design strategies and implementation including migration planning, service granularity, interservice communication, traceability, orchestration, and failure isolation • Experience with Cloud migrations and working in a mixed on-prem / cloud environment (container orchestration, security, serverless) • Experience leading teams that design and operate reliable distributed services at scale, including performance, observability, failure recovery, and applying AI where it improves system capabilities or operations. • Experience creating reusable, developer-friendly platforms with self-service onboarding, API observability, and applied AI capabilities such as intelligent APIs, tool/function calling, and MCP-based integrations. • Experience building secure, scalable, and cost-efficient cloud platforms, including deployment automation and applied AI workloads such as RAG, model services, agents, and AI-enabled engineering workflows. Preferred Experience: • 4 years’ experience of leading initiatives in a Java ecosystem • Track record of identifying opportunities to improve outcomes via new tools and approaches, evaluating and measuring candidate solutions, and successfully advocating for their adoption • Experience applying appropriate levels of transactional and race condition-resilient approaches, including database locking, distributed transactions (XA), SAGA pattern • Ability to describe and design decoupled system transaction models that are resilient to upstream and downstream outages with appropriate recovery models • Experience implementing and operationalizing rules engines • Experience modernizing or decomposing legacy monoliths into API-first, cloud-native services. • Experience introducing AI capability into an existing engineering organization — building the adoption plan, upskilling engineers, and measuring the impact on delivery speed and quality. • Exposure to AI platform and tooling ecosystems (model providers and gateways, agent frameworks, vector databases, evaluation and observability tooling for LLM-based systems). Knowledge and Skills: • Thought leader with deep technical expertise with the proven ability to influence and partner with business to innovate and drive outcomes • Ability to communicate complex technical information (both verbal and written) to all levels, including senior leadership • Ability to solve problems at the source by offering simple, working solutions. • Anticipates the impact of a change or project across multiple systems. • Responds promptly and effectively to resolve incidents, tasks, and projects. • Demonstrated ability and motivation to teach others • Ability to gain trust of others and builds solid relationships across and vertically throughout the organization • Effectively prioritize and execute tasks in a high-pressure environment. • Able to separate durable engineering fundamentals from hype when evaluating emerging AI tools and patterns, and to make pragmatic build-vs-buy and adopt-vs-wait decisions. Target Compensation: A competitive base salary range from $155,263 – $227,719. This position is eligible for an annual variable bonus of cash and equity, 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 #zip #LI-Remote 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 To create an environment where people do their best work, we focus on the dimensions of Organizational Health. All leaders must: • Identify the Right People by recognizing top talent • Set Clear Expectations by managing change and directing others • Train team members and focus on developing talent • Performance Manage by ensuring accountability and driving results • Create the Right Environment by establishing trust and managing conflict • Maintain the Right Number of team members needed to build an effective team 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. Play the video below to learn more about our Company culture. Remote Skills: Agile Programming Methodologies, Application Programming Interface (API), Artificial Intelligence (AI), Artificial Intelligence (AI) Agents, Automation, Automotive Financing, Best Practices, Business Support, Change Management, Cloud Computing, Coaching, Communication Skills, Continuous Deployment/Delivery, Continuous Improvement, Continuous Integration, Cross-Functional, Customer Experience, Database Analysis, DevOps, Ecosystems, Emerging Technology, Engineering Management, Establish Priorities, Incident Management, Java, Leadership, Legal, MCP - Microsoft Certified Professional, Machine Tool, Mentoring, Metrics, Microservices, On Call, Onboarding, Organizational Skills, Problem Solving Skills, Project Execution, Project Planning, Safety/Work Safety, Scalable System Development, Semantic Reasoner, Software Development Lifecycle (SDLC), Software Engineering, System Architecture, System Migration, System Operations, Talent Management, Team Building, Team Lead/Manager, Team Player, Technical Leadership, Technical Strategy, Thought Leadership, Traceability, Training/Teaching, Travel Planning, Willing to Travel, Work From Home, Zip undefined: Credit Acceptance Corporation At Credit Acceptance, we are passionate about what we do. Our team members are intelligent, motivated, compassionate people who work hard and know how to have fun. We offer a strong work-life balance with many great benefits that start on day one. We focus first and foremost on striving to make our Company as valuable as possible, because we know it is the core of our success. Our team members are motivated by their desire to “Change Lives,” as well as by their fellow colleagues, Company leaders, competitive compensation, and career advancement opportunities. Credit Acceptance has been named to Fortune magazine’s annual “100 Best Companies to Work For” list for 11 years, ranking #34 in 2025. We’ve also been named to IDG's Computerworld Best Places to Work in IT-Midsize category for the past six years. Based on 2025 survey data, 95% of our team members believe Credit Acceptance is a Great Place to Work (GPTW). Learn more about us at: https://www.greatplacetowork.com/certified-company/27 Company Size: 2,000 to 2,499 employees Industry: Financial Services undefined: 1972 Website: http://www.creditacceptance.com

Lead and grow engineering teams building distributed, API-driven, cloud-native platforms with AI integration. | Requires 5+ years leading engineering teams, technical leadership, Agile/DevOps experience, microservices and cloud expertise, and AI adoption experience. | 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 Software Engineering Manager II leads and grows cross-functional engineering teams that build and operate distributed, API-driven, cloud-native platforms. This leader is accountable for engineering excellence, delivery outcomes, and the technical health of the products their teams own — and for bringing modern AI capability into both the products we build and the way we build them. 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. • Leads and mentors team members on essential agile and product mindset tenets including early learning, self-organized teams, cross functionality, customer obsession, outcome focused, incremental delivery and test driven. • Participates in work planning processes to ensure the most important work is aligned to the appropriate team, that work is broken down enough that outcomes can be delivered incrementally. • Leads and mentors cross functional team members on building world class products that deliver customer delight and business value • Designs solutions to meet requirements for initiatives involving multiple team applications as well as applications owned by other teams. • Supports delivery teams to ensure process and technology standards are consistently followed to enable consistent delivery of value. • Develops and tracks delivery metrics while monitoring technical health of the product, informs progress toward delivery goals, and provides support appropriately when needed. • Builds effective teams by ensuring you have the right people and setting clear expectations • Monitors and evaluates team performance and continuously coach and mentor team members • Sets up your team for operational success by having a sound understanding on the system ecosystem, architecture, technologies and system domains and how these are used to achieve business outcomes. • Is an active participant in on-call escalation and incident management • Owns the design, delivery, and lifecycle governance of API platforms and services used across teams — driving contract-first design, versioning and deprecation discipline, reuse, and consumer experience. • Drives adoption of AI across the software development lifecycle (ADLC), establishing standards, guardrails, and measures of effectiveness for AI-assisted engineering within the team. • Guides the team in identifying, designing, and delivering AI-enabled capabilities — including agentic solutions — with appropriate evaluation, human-in-the-loop controls, observability, and responsible-use practices. 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 or equivalent experience. • Minimum of 5 years’ experience leading engineering teams. • Proven experience in technical leadership, capable of providing mentorship, cross-functional project execution, setting and executing on technical vision and strategy • Extensive experience implementing Agile and DevOps practices including but not limited to test driven, incremental releases, continuous integration, and deployment pipeline automation. • Experience in microservices design strategies and implementation including migration planning, service granularity, interservice communication, traceability, orchestration, and failure isolation • Experience with Cloud migrations and working in a mixed on-prem / cloud environment (container orchestration, security, serverless) • Experience leading teams that design and operate reliable distributed services at scale, including performance, observability, failure recovery, and applying AI where it improves system capabilities or operations. • Experience creating reusable, developer-friendly platforms with self-service onboarding, API observability, and applied AI capabilities such as intelligent APIs, tool/function calling, and MCP-based integrations. • Experience building secure, scalable, and cost-efficient cloud platforms, including deployment automation and applied AI workloads such as RAG, model services, agents, and AI-enabled engineering workflows. Preferred Experience: • 4 years’ experience of leading initiatives in a Java ecosystem • Track record of identifying opportunities to improve outcomes via new tools and approaches, evaluating and measuring candidate solutions, and successfully advocating for their adoption • Experience applying appropriate levels of transactional and race condition-resilient approaches, including database locking, distributed transactions (XA), SAGA pattern • Ability to describe and design decoupled system transaction models that are resilient to upstream and downstream outages with appropriate recovery models • Experience implementing and operationalizing rules engines • Experience modernizing or decomposing legacy monoliths into API-first, cloud-native services. • Experience introducing AI capability into an existing engineering organization — building the adoption plan, upskilling engineers, and measuring the impact on delivery speed and quality. • Exposure to AI platform and tooling ecosystems (model providers and gateways, agent frameworks, vector databases, evaluation and observability tooling for LLM-based systems). Knowledge and Skills: • Thought leader with deep technical expertise with the proven ability to influence and partner with business to innovate and drive outcomes • Ability to communicate complex technical information (both verbal and written) to all levels, including senior leadership • Ability to solve problems at the source by offering simple, working solutions. • Anticipates the impact of a change or project across multiple systems. • Responds promptly and effectively to resolve incidents, tasks, and projects. • Demonstrated ability and motivation to teach others • Ability to gain trust of others and builds solid relationships across and vertically throughout the organization • Effectively prioritize and execute tasks in a high-pressure environment. • Able to separate durable engineering fundamentals from hype when evaluating emerging AI tools and patterns, and to make pragmatic build-vs-buy and adopt-vs-wait decisions. Target Compensation: A competitive base salary range from $155,263 – $227,719. This position is eligible for an annual variable bonus of cash and equity, 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 #zip #LI-Remote 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 To create an environment where people do their best work, we focus on the dimensions of Organizational Health. All leaders must: • Identify the Right People by recognizing top talent • Set Clear Expectations by managing change and directing others • Train team members and focus on developing talent • Performance Manage by ensuring accountability and driving results • Create the Right Environment by establishing trust and managing conflict • Maintain the Right Number of team members needed to build an effective team 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. Play the video below to learn more about our Company culture. Remote Skills: Agile Programming Methodologies, Application Programming Interface (API), Artificial Intelligence (AI), Artificial Intelligence (AI) Agents, Automation, Automotive Financing, Best Practices, Business Support, Change Management, Cloud Computing, Coaching, Communication Skills, Continuous Deployment/Delivery, Continuous Improvement, Continuous Integration, Cross-Functional, Customer Experience, Database Analysis, DevOps, Ecosystems, Emerging Technology, Engineering Management, Establish Priorities, Incident Management, Java, Leadership, Legal, MCP - Microsoft Certified Professional, Machine Tool, Mentoring, Metrics, Microservices, On Call, Onboarding, Organizational Skills, Problem Solving Skills, Project Execution, Project Planning, Safety/Work Safety, Scalable System Development, Semantic Reasoner, Software Development Lifecycle (SDLC), Software Engineering, System Architecture, System Migration, System Operations, Talent Management, Team Building, Team Lead/Manager, Team Player, Technical Leadership, Technical Strategy, Thought Leadership, Traceability, Training/Teaching, Travel Planning, Willing to Travel, Work From Home, Zip undefined: Credit Acceptance Corporation At Credit Acceptance, we are passionate about what we do. Our team members are intelligent, motivated, compassionate people who work hard and know how to have fun. We offer a strong work-life balance with many great benefits that start on day one. We focus first and foremost on striving to make our Company as valuable as possible, because we know it is the core of our success. Our team members are motivated by their desire to “Change Lives,” as well as by their fellow colleagues, Company leaders, competitive compensation, and career advancement opportunities. Credit Acceptance has been named to Fortune magazine’s annual “100 Best Companies to Work For” list for 11 years, ranking #34 in 2025. We’ve also been named to IDG's Computerworld Best Places to Work in IT-Midsize category for the past six years. Based on 2025 survey data, 95% of our team members believe Credit Acceptance is a Great Place to Work (GPTW). Learn more about us at: https://www.greatplacetowork.com/certified-company/27 Company Size: 2,000 to 2,499 employees Industry: Financial Services undefined: 1972 Website: http://www.creditacceptance.com