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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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
The Automotive Finance Markets Shift to Prime … And Ot...

Subprime originations hit the lowest overall share of the market seen in 11 years, but does that mean people are being locked out car...

Read More The Automotive Finance Markets Shift to Prime … And Other Trends
Consumers Continue to Withstand Higher Vehicle Costs...

Vehicle prices are going up, yet consumers seem unfazed. Despite consumers taking out larger loan amounts, they continue to make their monthly payments on...

Read More Consumers Continue to Withstand Higher Vehicle Costs
It’s a “prime” time to buy a car...

When gearing up to buy a car, having a checklist of things to look for is important. Happily, it looks like consumers have added...

Read More It’s a “prime” time to buy a car
What bubble? Subprime vehicle loans hit Q1 10-year low...

When discussing automotive lending, it seems like one term is on everyone’s lips: “subprime auto loan bubble.” There’s always someone who claims that the...

Read More What bubble? Subprime vehicle loans hit Q1 10-year low; 30-day delinquencies drop
Loan balances reach all-time high, while vehicle price...

With steady sales growth the past several years, the auto industry has had a great run since the trough of the Great Recession in...

Read More Loan balances reach all-time high, while vehicle prices push more people to used cars and leasing