Melinda Zabritski

Senior Director, Automotive Financial Solutions Experian Melinda Zabritski is Senior Director for Experian automotive financial solutions team, where she is responsible for implementing products and services specific to the automotive credit and lending industry. She also serves as Experian’s primary analyst and spokesperson regarding key automotive finance trends. Throughout her career with Experian, Zabritski has overseen the product management for Experian Automotive’s lending channel, as well as the marketing strategy for the development of Experian’s automotive credit vertical sales channel. Prior to joining Experian in 2004, Zabritski held various product management and analyst positions in the credit industry, where she managed and developed credit risk models and market trending and forecasting tools. During that time, she also was responsible for managing prescreen and account management product lines. Zabritski holds a Master of Business Administration from the University of Phoenix in Phoenix, Ariz., and a Bachelor of Science in political science and urban government from Louisiana State University in Baton Rouge, La.

All posts by Melinda Zabritski

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Leasing Remains a Crucial Option for Affordability...

Experian's Q4 2020 State of the Automotive Finance Market report gives insight into the current state of the leasing market....

Read More Leasing Remains a Crucial Option for Affordability
Electric and Hybrid Vehicle Financing Grows In Q4 2020...

The Q4 2020 State of the Automotive Finance Market report zooms in to get a better picture of the alternative fuel marketplace....

Read More Electric and Hybrid Vehicle Financing Grows In Q4 2020
How Consumer Preferences Continue to Shift the Auto In...

Small SUVs became the most financed vehicle segment in Q3 2020, making up 26.01% of all financed vehicles during the...

Read More How Consumer Preferences Continue to Shift the Auto Industry
What Reduced Leasing Might Mean for the Auto Industry...

According to Experian’s Q3 2020 State of the Automotive Finance Market report, 26.20% of all new vehicles are leased compared to 30.27% last year.......

Read More What Reduced Leasing Might Mean for the Auto Industry
Automotive Industry Demonstrates Resilience in Q3 2020...

While things aren't quite back to normal in Q3 2020, there were a number of positive trends that demonstrates the automotive industry's resilience....

Read More Automotive Industry Demonstrates Resilience in Q3 2020
Incentives and Loan Terms: Making Vehicles Affordable ...

Consumers are taking advantage of new car incentives, low interest rates and longer-term loans in order to ensure that their vehicle purchase is manageable.......

Read More Incentives and Loan Terms: Making Vehicles Affordable During COVID-19
Subprime Borrowers Locked Out of Loans? That Might Not...

As subprime originations decrease, some think that subprime consumers are being locked out of the automotive finance market, but that’s not the whole s......

Read More Subprime Borrowers Locked Out of Loans? That Might Not Be the Case
Auto Industry Rebounds, Despite Early COVID-19 Challen...

The early assessment for the automotive industry is that despite significant challenges at the onset of the pandemic, the industry continues to...

Read More Auto Industry Rebounds, Despite Early COVID-19 Challenges
Early Impacts of COVID-19: Incentives Boost Market Sha...

Origination data from April and May provide some insight into the more immediate effects of the pandemic on the automotive...

Read More Early Impacts of COVID-19: Incentives Boost Market Share for Captive Lenders
Lower Auto Finance Delinquency Rates; Continued Popula...

In Q1 2020, 30-day delinquencies decreased from 1.98 percent in Q1 2019 to 1.93 percent, while 60-day delinquencies dropped from 0.68 percent to...

Read More Lower Auto Finance Delinquency Rates; Continued Popularity of Used Vehicles in Q1
Automotive Loan Market Showed Continued Stability in Q...

If there is one word to describe the automotive finance market in Q4 2019, it’s stable. By nearly every measure, the automotive finance market...

Read More Automotive Loan Market Showed Continued Stability in Q4 2019
Consumers Continue to Shift Preferences Toward Used Ve...

According to Experian’s Q3 2019 State of the Automotive Finance Market report, used vehicle financing increased across all credit t...

Read More Consumers Continue to Shift Preferences Toward Used Vehicles
As Average Auto Loan Amounts Continue to Increase, Con...

The average new vehicle loan hit $32,119 in Q2 2019. Average used vehicle loan amounts reached $20,156 in Q2 2019....

Read More As Average Auto Loan Amounts Continue to Increase, Consumers Look to Manage Monthly Payments
Consumers with Strong Credit Opt for More Used Vehicle...

Vehicle affordability has been a main topic of conversation in the auto industry for some time, and based on the data, it’s not going...

Read More Consumers with Strong Credit Opt for More Used Vehicles
Quelling Concern: The Percentage of Delinquent Auto Lo...

There’s recently been a significant amount of discussion about the stability of the automotive finance industry. Many fear the increase in the volume of...

Read More Quelling Concern: The Percentage of Delinquent Auto Loans Remains Relatively Stable