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Paul Kramarz has extensive work experience in the finance and automotive industry. Paul currently holds the position of Senior Vice President of Strategic Innovation at AFC - Automotive Finance Corporation, where they are responsible for risk management on a multi-billion dollar loan portfolio and is a core member of AFC's senior management team. Prior to this role, they served as the Senior Vice President of Risk Management at AFC.

Before joining AFC, Paul worked at Price Waterhouse Management Consultants as a Director, specializing in vehicle lending and leasing. Paul led various projects, including an international survey on auto lending and leasing and managed a loan originations system implementation for a top-10 auto and powersports lender.

Paul also has experience at Honda, where they served as a Business Development Manager and Chief Risk Officer. In these roles, they were responsible for sales, business development, underwriting policies, and profit targets for large loan portfolios. Paul led initiatives such as rebuilding credit score cards, implementing score matrixing, setting lease residuals, and creating auto-dialer system strategies.

Earlier in their career, Paul worked as a Business Analyst at Alltel Information Services, providing customer instruction and support for proprietary banking platform software. Paul also served as an Operations Manager at California Federal Bank.

Overall, Paul Kramarz has a wealth of experience in risk management, business development, and operational management within the automotive and finance industry.

Paul Kramarz obtained a BA in Business Economics from UC Santa Barbara between 1991 and 1996. Later, they pursued an MBA degree from the UNC Kenan-Flagler Business School, completing it between 2000 and 2002.