- Pay
- $233–341k
- Where
- USA - Remote · Remote
- Level
- Senior
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…