Staff Software Engineer, Consumer 360

Requirements:

• Bachelors degree in Computer Science, Information Systems, or a related field, or equivalent work experience
• At least 8 years of software engineering experience, or comparable depth of experience
• Experience leading the technical direction of software engineering teams across multiple applications
• Expert hands-on Java (17/21) and Spring Boot experience, including production REST and event-driven services, object-oriented design, and design patterns
• Practical experience with AI-assisted delivery, spec-driven development, test automation, GitHub Actions CI/CD, and small, frequent releases
• Practical experience with data modeling, design, and messaging
• Experience working on mission-critical enterprise applications
• Ability to coach and mentor less experienced team members
• Willingness to participate in an on-call rotation
• Hands-on experience designing, deploying, and operating cloud-native AWS services, including Kubernetes containers such as Amazon EKS, GitOps, IAM, secrets management, observability, and reliability practices such as SLOs
• Hands-on experience designing, building, evaluating, and operating at least one LLM-powered agent in production, including secure tool use, retrieval where needed, evaluations, guardrails, observability, and human oversight for consequential actions
• Must reside in or be willing to relocate to the greater Southfield, Michigan area; greater Bellevue, Washington area; or San Francisco Bay Area, California
• Preferred: Advanced use of AI-native development tools such as GitHub Copilot or Claude Code, including custom instructions, reusable skills and commands, hooks, and MCP integrations
• Preferred: In-depth experience creating APIs and frameworks, including REST/JSON, legacy SOAP services, JUnit 5, Mockito, WireMock, Pact, GitHub, and GitHub Actions
• Preferred: Experience with API security, analytics, throttling, caching, logging, and request and response modifications
• Preferred: API-first design experience, including versioned OpenAPI and event schemas agreed before implementation and published for consumers
• Preferred: Ability to use DDL to create database objects and relationships, write advanced queries, and optimize query performance
• Preferred: Financial services industry experience
• Preferred: Experience with customer data in a regulated business, including customer master data, identity resolution, consent, privacy-request fulfillment, and sensitive exchanges such as credit-bureau reporting and disputes
• Preferred: Experience with AI agent platforms and frameworks such as Amazon Bedrock, Bedrock AgentCore, Spring AI, or LangChain4j; Python agent frameworks are a plus
• Preferred: Experience with LLM evaluation, guardrail, and observability tooling
• Ability to challenge existing approaches, influence stakeholders, and develop innovative solutions
• Collaborative approach and ability to build strong relationships across the organization
• Strong understanding of relevant and emerging technologies, with the ability to coach others and foster learning and innovation
• Ability to connect technical work to business value
• Strong verbal and written communication skills, including communicating complex technical topics to senior leaders
• Sound judgment about AI use, including setting boundaries, keeping people involved in customer-impacting decisions, and evaluating outputs for accuracy, safety, and bias
• Cost- and value-aware engineering skills, including evidence-based trade-offs among customer experience, reliability, speed, and cloud and AI costs
• AI-first mindset, with accountability for the quality, security, and cost of AI-generated work
• Customer data stewardship, including protecting personal information, honoring consent and privacy choices, and respecting data ownership and authoritative sources

Responsibilities:

• Design, build, and continuously improve cloud-native Java 21 and Spring Boot services on AWS, using AI coding agents while maintaining accountability for correctness, security, and maintainability
• Use spec-driven development: define behavior changes with written specifications, acceptance criteria, and requirement IDs, and deliver automated unit, integration, and consumer/provider contract tests
• Lead incremental modernization of Consumer 360 systems, including runtime upgrades, migration to managed event-driven messaging, and migration of on-premises workloads and databases to AWS
• Establish and promote team standards for coding, documentation, and testing
• Assess the impact of changes across multiple applications
• Learn business processes and align technology solutions with business needs
• Experiment, test ideas, validate assumptions, and recommend solutions
• Lead code reviews and communicate application changes
• Document systems so employees and AI agents can build, test, operate, and safely change them, including READMEs, agent instructions, API and event specifications, and design decision records
• Debug production issues and propose effective solutions within and across applications
• Read, write, and review design documents
• Own delivery from requirements through production, identifying and removing bottlenecks in specifications, reviews, environments, pipelines, and cross-team dependencies
• Lead continuous learning to improve design and code quality and deepen application domain knowledge
• Participate in talent selection
• Mentor less experienced software engineers by guiding and reviewing their code, designs, and documentation
• Design, build, evaluate, and operate production AI agents on AWS, and expose customer context to other teams agents through secure, versioned APIs and governed tools such as MCP
• Apply guardrails, evaluations, observability, cost controls, and human review where customer impact warrants it
• Lead the teams AI-assisted delivery model from written specification through deployment, improving agent workflows, retaining human approval gates, and measuring outcomes by quality and lead time

Technologies:

• AI
• AI Agents
• API
• AWS
• CI/CD
• Claude Code
• Cloud
• Copilot
• GitHub
• GitOps
• IAM
• JSON
• JUnit
• Java
• Kubernetes
• LESS
• LLM
• MCP
• OpenAPI
• Python
• REST
• SOAP
• Security
• Spring
• Spring Boot
• ActiveMQ
• Flow
• Support
• Web

More

We are Credit Acceptance, investing in technology, data, AI, and continuous improvement as we build on our successful business. Our Engineering teams collaborate across the organization to solve complex challenges, modernize systems, and deliver meaningful business impact. We foster an environment that supports new ideas, career development, curiosity, and continuous learning. The role is aligned with our Consumer 360 work and may be based in the greater Southfield, Michigan area; greater Bellevue, Washington area; or San Francisco Bay Area, California. The target base salary range is $154,837–$227,095, with eligibility for an annual cash and equity variable bonus of 10–20%, based on individual performance. Our culture values customer empathy, engineering excellence, collaboration, and an owners mindset.

last updated 43 week of 2026