Credit Acceptance
Xin Hao currently serves as Senior Manager of Sales and Marketing Analytics at Credit Acceptance since April 2024. Prior to this role, Xin Hao held multiple positions at Capital One between February 2015 and January 2024, including Senior Business Manager for Horizontal Prospecting Strategy, where oversight of B2B sales channel prospecting and marketing analytics was a primary responsibility. Xin Hao also led teams in roles focused on B2B sales analytics, product go-to-market strategy, and machine learning targeting strategies. Educational qualifications include a Master of Engineering in Chemical Engineering from Cornell University and dual Bachelor’s degrees in Chemistry and Mathematics from Case Western Reserve University, along with a minor in Finance.
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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.