Executive Leadership Team

Mr. Hegde became our Chief Executive Office and President in November 2025, and he has been a member of our Board since May 2021. As our CEO, Mr. Hegde is responsible for the leadership and growth of the Company. Prior to becoming our CEO and President, Mr. Hegde served as the Consumer Chief Marketing Officer of T-Mobile US, Inc., a telecommunications company, from January 2023 to November 2025. Mr. Hegde served as President of Wheels Up Experience, Inc., a leading private aviation platform, from October 2021 to November 2022, after serving as its Chief Marketplace Officer and that of its predecessor, Wheels Up Partners Holdings LLC, from May 2021 to October 2021. Earlier in his career, Mr. Hegde served as Vice President of Growth and Chief Marketing Officer of Airbnb Homes at Airbnb, Inc., and as Senior Vice President and Global Chief Marketing Officer at Groupon, Inc., and spent over 12 years at Amazon, contributing significantly to the company’s growth in e-commerce and the Prime ecosystem.

Mr. Billante joined Credit Acceptance in July 2026 as Chief Financial Officer. From December 2022 until joining the Company, he served as the Chief Financial Officer of Barracuda Networks, Inc., a cybersecurity and data protection company, where he led global finance operations. Prior to that, Mr. Billante spent more than 13 years at eBay Inc., a global e-commerce company, in a variety of senior finance and business leadership positions, most recently as eBay’s Vice President of Investor Relations and Communications. Earlier in his career, he held finance leadership roles at General Electric Company, including serving as Chief Financial Officer of a global division of GE Healthcare, a healthcare technology and services business.

Mr. Bourrier joined Credit Acceptance in April 2026 as Chief Sales Officer. Prior to joining the Company, he had more than 25 years of sales and commercial leadership experience, and held roles of increasing responsibility throughout his career, most recently leading global sales at Wheels Up, a private aviation platform. Prior to that, he held senior leadership roles overseeing global corporate agreements at Delta Air Lines and Air Canada. 

Mr. Elliott joined the Company in 2005 and served in a number of roles, starting as a Staff Auditor in the Internal Audit department and moving to Manager of Information Security in 2010 before being promoted to Director of Internal Audit in 2012. He became Vice President of Internal Audit and Project Management Office in 2015, was promoted to Senior Vice President of Internal Audit and Quality Audit in 2018, and became Senior Vice President of Strategic Alignment in January 2023. Mr. Elliott assumed the role of Chief Alignment Officer in August 2023, and transitioned to Chief Transformation Officer in January 2026. 

Ms. Kerber joined the Company in 2010 as a Litigation Manager and was promoted to Director of Regulatory Compliance in 2012. She was named Vice President - Regulatory Compliance in 2014, became Senior Vice President, Assistant General Counsel – Regulatory Compliance in 2018, and assumed her present position in July 2021.  From 2003 until joining the Company, Ms. Kerber was an attorney with the law firm Dickinson Wright PLLC.

Mr. Lal joined Credit Acceptance in July 2026 as Chief Marketing Officer. In this role he will lead the company’s Marketing team, which includes Product. Prior to joining the company, Mr. Lal spent more than two decades at T-Mobile, a telecommunications company, in roles of increasing scope and responsibility, most recently as Senior Vice President – Commercial Management. 

Mr. Lum joined the Company in 2002 and has served in a number of roles, starting in the finance department and moving up to Accounting Manager before being promoted to Director – Projects and Support in 2007 and Director – Policy Compliance in 2008. Mr. Lum was promoted to Vice President – Internal Audit and Compliance in 2009. In 2011 Mr. Lum became Senior Vice President – Dealer Service Center, and he assumed the role of Chief Operating Officer in May 2019.

Mr. Schumann joined Credit Acceptance in February 2026 as Chief Business Officer. From May 2023 until joining the Company, he was a self-employed strategic advisor and consultant, advising executive leadership teams on growth strategy and competitive and organizational effectiveness. Prior to that, he spent more than two decades at T-Mobile US, Inc., a telecommunications company, and its parent company Deutsche Telekom. At T-Mobile, Mr. Schumann held roles of increasing scope and responsibility in marketing and finance, most recently as the Senior Vice President of Consumer Marketing from February 2020 to May 2023.