#39 Predicting auto loan defaults, 96 month terms, Vehicle affordability, Will repos keep rising? | Betty Jotanovic, President of Chrysler Capital and Auto Relationships at Santander

In this episode, I'm speaking with Betty Jotanovic, President of Chrysler Capital and Auto Relationships at Santander.

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Topics:
(00:00:00) - Intro
(00:03:04) - Betty’s background and career
(00:09:47) - Distribution channels
(00:10:52) - Difficulty in signing up with new dealers
(00:12:23) - What makes an excellent dealership to work with
(00:15:28) - Quantifying risk
(00:16:21) - Auto loan and economic concerns
(00:24:28) - Quantifying risk on EVs
(00:26:25) - Repossessions and fraud
(00:30:37) - Balancing digital lending vs. having a physical presence
(00:33:05) - Embedded advantages to being vertically integrated
(00:34:46) - What do you do with all the loans once they’re issued?
(00:36:10) - Reacting to the changing nature of lending
(00:39:16) - Automating the lending business
(00:41:44) - Macroeconomic outlooks
(00:43:28) - Advice to dealers
(00:45:42) - Where to learn more

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