Credit Acceptance
Shubhankar Joshi is a Senior Software Engineer at intelliCard Solutions AG, specializing in PKI Certificate Lifecycle Management and smartcard validation software development using Java, JavaScript, C++, and the Qt framework. Previous experience includes roles as a Software Engineer Intern, a Full Stack Developer Intern at Bharat Electronics, and a Research and Development Intern at Hochschule Merseburg. Additionally, Shubhankar serves as a Board Member for Finance at IAESTE Zurich and has held leadership roles within IAESTE India, focusing on student training and organizational events. Academic qualifications include a Master of Science in Informatics from the University of Zurich and a Bachelor of Technology in Computer and Communication Engineering from Manipal Institute of Technology.
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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.