Leaders Get Stuck
Every lender I talk to is running into the same wall: affordability is crushing consumers.
Many buyers face average payments over $1,000 a month.
So, they’re choosing longer terms, smaller down payments, and tighter budgets.
This means a higher risk for you and more unhappy customers when loans become burdens.
The lenders who win in this environment aren’t just saying “yes” or “no.”
They’re building smarter structures, proactive loss mitigation teams, and underwriting talent who can find sustainable paths forward.
If you’re feeling the pinch on the talent side—credit, collections, risk management—let’s talk.
I’ve been in auto finance recruiting for over 20 years.
I know how to find candidates who don’t just fill seats.
They also protect your portfolio in challenging markets.
Portfolio’s These Days
Auto lenders-what does your portfolio look like these days?
Early delinquencies may be trending down, but 60+ day delinquencies are sticking like glue.
That’s a problem.
For lenders, elevated 60-day delinquency means:
Strained collections teams
Higher charge-offs
Mounting portfolio pressure
What distinguishes lenders who manage this from those who feel overwhelmed?
The right people in the right roles.
Collections leaders who utilize data, focus on customers, and prevent losses early.
If your collections team is falling behind, it might not just be a strategy issue.
It could also be a people issue.
That’s where I come in.
Consumers in the Market
Consumers are back in the market—but many have complex credit histories.
Student debt is rising.
Gig workers experience fragmented income.
Lower credit scores are making underwriting tougher than ever.
Some lenders are tightening so much that they’re losing volume.
Others are chasing risk without a framework.
Both approaches are costly.
What balances that?
Experienced underwriters and risk leaders who understand nuance.
People who know how to say yes, but smartly—not just default to no.
If your credit team feels stretched or your loan portfolio is slipping, let’s connect.
The right people can change the trajectory of your lending strategy.
New York Times Article
nytimes.com