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. 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.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.
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 components of context-aware AI systems that integrate prompts, tools, APIs, retrieval patterns, and business logic using established architecture patterns.
Contribute to reusable engineering building blocks, services, and platform capabilities that can support multiple enterprise workflows rather than one-off solutions.
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
Write unit-tests and validate your software against acceptance criteria
Apply team coding, documenting and testing standards
Conduct impact analysis to proactively identify impact of a change within an application
Participate in 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
Read and write design documents
Learn the business process domain to better support the business
Contribute to team's sprint commitments and actively participate in our Agile practices
Contribute to continuous learning activities to improve design and code quality as well as to increase application domain knowledge
Guide and aid 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 2 years of software engineering experience or comparable depth of experience
Experience developing applications that integrate with AI services, enterprise APIs, data platforms, or workflow automation capabilities.
High ownership, sound judgment, and ability to operate effectively in partially defined or ambiguous problem spaces, with a bias for action.
Strong grasp of software engineering fundamentals, including system design, APIs, CI/CD, version control, and disciplined development workflows
Use of one or more object-oriented programming languages and design patterns
Willingness to participate in an on-call rotation
Preferred:
Advanced degree in Computer Science, Machine Learning, Information Systems, or a related technical field.
Experience building generative AI, automation, intelligent assistant, or AI-enabled workflow capabilities in production or production-like environments.
Experience with reliability, observability, evaluation, guardrails, API integration, or compliance considerations for AI-enabled systems.
Experience using modern developer tools and AI-assisted engineering practices to improve development speed, code quality, testing, or maintainability.
Knowledge and Skills:
Show initiative and offer assistance when needed
Be introspective and open to feedback to continuously improve. Prioritize personal development and identify potential barriers
Be collaborative with other team members, seeking a diversity of thought to meet business outcomes
Ability to communicate complex technical information (both verbal and written) to all levels, including senior leadership
CTC Range: ₹27.32.275 – ₹40.07.275
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.
Skills Required
- Bachelor's degree in Computer Science, Information Systems, or closely related field; or equivalent work experience
- Minimum 2 years of software engineering experience or comparable depth of experience
- Experience developing applications that integrate with AI services, enterprise APIs, data platforms, or workflow automation capabilities
- Strong grasp of software engineering fundamentals including system design, APIs, CI/CD, version control, and disciplined development workflows
- Use of one or more object-oriented programming languages and design patterns
- High ownership, sound judgment, and ability to operate in partially defined or ambiguous problem spaces
- Willingness to participate in an on-call rotation
Credit Acceptance Corporation Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Credit Acceptance Corporation and has not been reviewed or approved by Credit Acceptance Corporation.
-
Fair & Transparent Compensation — Pay is described as competitive and fair for the role, and overall compensation is framed as a clear strength. Total compensation is also positioned as strong relative to comparable employers, reinforcing perceived fairness.
-
Strong & Reliable Incentives — Bonuses, profit sharing, and performance-based commission are repeatedly highlighted as meaningful add-ons to base pay. Incentive opportunities are presented as especially attractive in sales and market-facing roles, including uncapped earning potential.
-
Healthcare Strength — Health coverage is portrayed as comprehensive, spanning medical, dental, vision, life, and disability protections. Day-one eligibility is emphasized as a differentiator that increases the practical value of the package.
Credit Acceptance Corporation Insights
What We Do
Our people and culture create a positive workplace that drives us to succeed. Working together as a team has resulted in many national workplace awards, including Fortune magazine’s annual “100 Best Companies to Work For” list for 7 consecutive years. We’ve also been named to IDG's Computerworld Best Places to Work in IT-Midsize category for the past five years. Based on 2021 survey data, 92% of our team members believe Credit Acceptance is a Great Place to Work (GPTW). 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. Loans made or arranged pursuant to a California Finance Lenders Law license.
