In this episode, Vadim takes a deep dive into the auto finance market—from the recent headlines surrounding Tricolor’s bankruptcy to the broader trends shaping credit performance and origination behavior. The conversation begins with Tricolor as a case study in data integrity and verification failures, not credit weakness, before widening to examine insights from the CFPB and Experian’s State of the Auto Market Report. Vadim explores how auto originations are skewing toward older, higher-cred...
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In this episode, Vadim takes a deep dive into the auto finance market—from the recent headlines surrounding Tricolor’s bankruptcy to the broader trends shaping credit performance and origination behavior. The conversation begins with Tricolor as a case study in data integrity and verification failures, not credit weakness, before widening to examine insights from the CFPB and Experian’s State of the Auto Market Report. Vadim explores how auto originations are skewing toward older, higher-cred...
Decoding TransUnion Data: Credit Cards, Auto Loans, AEP & More
In The Tranches of Structured Finance
47 minutes
1 year ago
Decoding TransUnion Data: Credit Cards, Auto Loans, AEP & More
Vadim examines TransUnion data to discuss YoY trends in credit cards and auto loans. While subprime borrowers continue to drive overall DQ rates and credit card growth, regional analysis reveals significant weaker performance in certain states. In this episode, Vadim dives into a valuable metric, Average Excess Payment ("AEP"), which is an indicator of a consumer's ability to manage debt payment as it represents consumers who do not pay their credit card bills in full yet pay beyond the minim...
In The Tranches of Structured Finance
In this episode, Vadim takes a deep dive into the auto finance market—from the recent headlines surrounding Tricolor’s bankruptcy to the broader trends shaping credit performance and origination behavior. The conversation begins with Tricolor as a case study in data integrity and verification failures, not credit weakness, before widening to examine insights from the CFPB and Experian’s State of the Auto Market Report. Vadim explores how auto originations are skewing toward older, higher-cred...
