Ravi Mohan serves as Chief Technology Officer at Credit Acceptance Corporation, a leading provider of auto financing solutions for subprime borrowers. With more than 25 years of experience in technology leadership across finance, automotive, and software industries, Ravi has built a distinguished career driving digital transformation and innovation. He holds a Bachelor’s degree in Computer Science from the Indian Institute of Technology (IIT) Madras and an MBA from the Wharton School of the University of Pennsylvania, which equipped him with a unique blend of technical expertise and business acumen. Before joining Credit Acceptance in 2018, Ravi held senior roles at Ford Motor Credit Company, where he led global IT strategy and spearheaded cloud migration projects that reduced infrastructure costs by 40% and enhanced data analytics capabilities. His earlier positions at Citigroup and Infosys honed his skills in scalable enterprise systems, cybersecurity, and agile development methodologies. Ravi’s achievements include multiple patents in machine learning applications for financial services and awards such as the CIO 100 for innovative IT leadership. As CTO at Credit Acceptance, Ravi oversees a team of over 500 technologists, directing the company’s technology roadmap, including AI-driven credit decisioning, blockchain for secure transactions, and advanced data platforms that support millions of dealer and customer interactions annually. Under his guidance, the company has achieved record operational efficiencies, accelerated product launches, and maintained robust compliance in a highly regulated environment, solidifying Credit Acceptance’s position as a fintech pioneer.