Credit Acceptance
Naveen Kaul currently serves as the Manager of Data Engineering at Credit Acceptance, where a commitment to people, a listening culture, and a focus on diversity and inclusion are emphasized. Prior to this role, Naveen was the Lead of Data Warehouse/Business Intelligence at Lochbridge, where significant career growth occurred, allowing for the application of skills and acceptance of leadership roles. Naveen's career began at IBM as a Technical Lead, where transformative experiences shaped skills in software and data engineering. Naveen holds a Master of Science in Data Science from Indiana University Bloomington and a Bachelor of Technology from Veermata Jijabai Technological Institute.
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.