I manage the private fund for subprime auto loans and specialise in managing risk for the sub-prime auto lending at Secure Path Financial Services. My role involves evaluating financial risk based on expected returns and risk exposure, and I focus on key metrics like Payment-to-Income (PTI) ratios and Loan-to-Value (LTV) for vehicles. I help drive responsible lending by assessing customer affordability, ensuring effective, credit-free decision-making. By balancing PTI, LTV, and anticipated ROI, I support data-driven approvals that align with both customer needs and company objectives.