Credit Acceptance
Raj Khaira has extensive experience in financial applications and software development, currently serving as Manager of Financial Applications at Credit Acceptance since July 2007. Prior to this role, Raj worked as a Senior Oracle Developer at Budco from 2003 to 2006 and held consultant positions at Purdue University and American Axle and Manufacturing. Raj's educational background includes studies at Punjabi University, where coursework was completed between 1981 and 1988, along with additional education at Modern School from 1982 to 1984.
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.