Credit Acceptance
David Perrine is a seasoned professional in analytics and risk management with over 20 years of experience in the financial services industry. Currently serving as Senior Vice President of Analytics at Credit Acceptance since 2009, David leads teams focused on predictive modeling and strategy development, notably creating scorecards and pricing strategies. Prior experience includes a role as Vice President of Risk Management at American FINCO Financial Services, where David advanced pricing and credit decisioning through the development of predictive models, achieving over 99% automation in application processing. David began the career as a Risk Analyst at Westar Financial Services, optimizing pricing and analyzing customer lifetime value. Academic credentials include an MBA in Finance, Management & Strategy from Northwestern University's Kellogg School of Management and a dual BA/BS in Business, Mathematics, and Physics from the University of Washington.
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Credit Acceptance
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Since 1972, Credit Acceptance has offered automobile dealers auto finance programs to help them sell vehicles to consumers, regardless if they have bad or no credit. These programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales; and from sales to customers who come into the dealership believing they have credit issues, but qualify for traditional financing. Further, we report to the three national credit reporting agencies, giving consumers an opportunity to improve their credit score and potentially qualify for more traditional financing. Our company is unique. Enrolled dealers share in the cash flows from the contract, which creates an alignment of interests and is a critical element of our success. Dealers have an incentive to sell reliable vehicles that last the term of the contracts, as they benefit from those who successfully repay their contracts.