AFC - Automotive Finance Corporation
Paul Kramarz has extensive work experience in the finance and automotive industry. Paul currently holds the position of Senior Vice President of Strategic Innovation at AFC - Automotive Finance Corporation, where they are responsible for risk management on a multi-billion dollar loan portfolio and is a core member of AFC's senior management team. Prior to this role, they served as the Senior Vice President of Risk Management at AFC.
Before joining AFC, Paul worked at Price Waterhouse Management Consultants as a Director, specializing in vehicle lending and leasing. Paul led various projects, including an international survey on auto lending and leasing and managed a loan originations system implementation for a top-10 auto and powersports lender.
Paul also has experience at Honda, where they served as a Business Development Manager and Chief Risk Officer. In these roles, they were responsible for sales, business development, underwriting policies, and profit targets for large loan portfolios. Paul led initiatives such as rebuilding credit score cards, implementing score matrixing, setting lease residuals, and creating auto-dialer system strategies.
Earlier in their career, Paul worked as a Business Analyst at Alltel Information Services, providing customer instruction and support for proprietary banking platform software. Paul also served as an Operations Manager at California Federal Bank.
Overall, Paul Kramarz has a wealth of experience in risk management, business development, and operational management within the automotive and finance industry.
Paul Kramarz obtained a BA in Business Economics from UC Santa Barbara between 1991 and 1996. Later, they pursued an MBA degree from the UNC Kenan-Flagler Business School, completing it between 2000 and 2002.
AFC - Automotive Finance Corporation
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AFC fuels the entrepreneurial dream in our communities. Our financial services provide liquidity and flexibility to independent used vehicle dealers so they can purchase the inventory they need to keep their businesses growing and thriving. AFC's hybrid business approach combines dedicated personnel stationed nationwide—living and working in local markets—with a robust suite of digital services that allow dealers to conduct business 24/7 anywhere. Our offerings include a variety of automotive financial services in addition to floorplan financing that cater to the needs of each unique dealership, such as lienholder payoff services, curtailment extensions, and many more. AFC's customers include a wide range of independent dealers, including retail and wholesale automotive dealers, specialty dealers in RV, powersports, and salvage, as well as rental fleet operators. As a subsidiary of OPENLANE (formerly KAR Global), AFC drives talent to opportunity. We have the best in the business on our team, and we are relentlessly focused on the growth of our people. We move quickly, have an unwavering commitment to our customers and communities, and we have fun while we're doing it! Up for the challenge? Put yourself in the driver seat and enjoy the ride.