United Auto Credit is a California based non-prime automotive lender serving dealers and their customers across the United States since 1996.

Created with the car buying public in mind, United Auto Credit has become a leader in the automotive lending industry. When other lenders say “no”, United Auto Credit says “yes” because we believe everyone deserves the chance at vehicle ownership – regardless of their credit history.

Combining cutting edge technology, hard work and old-fashioned common sense, United Auto Credit has developed programs – from First Time Buyers to our Bankruptcy program – that enable us to approve loans for customers across the credit spectrum. In short, what we call the Common Sense Override program serves as the foundation of our corporate vision today and into the future.

— Provide Excellent service to Dealers and Customers through common sense lending.

Our mission is to provide excellent service to our Dealers and Customers through common sense lending.

Common sense thinking not only drives us toward intimate dealer and customer relationships, but it is one ideal that separates United Auto Credit from other lenders in the industry. Our common sense lending approach allows us to make individual credit decisions for our customers on a deal-by-deal basis. As a result, our dealers are able to sell more cars, our customers receive the financing they need to establish or repair their credit, and United Auto Credit gets the satisfaction from knowing both parties are happy with the service we provide.

— As one of the Top 10 non-prime auto lenders in the country our goal is to provide excellent service to our Dealers and Customers by being the best at what we do.

James Vagim – President & Chief Executive Officer

Jim has served as United Auto Credit’s President & CEO since 2008. In his capacity, Jim oversees all aspects of United Auto Credit’s strategic direction and day-to-day operations. Brought aboard to manage United Auto Credit’s reorganization, Jim is credited with building a team of exceptional individuals whose efforts in executing a successful turn-around have positioned United Auto Credit as one of the country’s leading non-prime automotive finance companies.

—“At United Auto Credit, we have an unwavering commitment to the success of our dealer partners and their customers. We take great pride in bringing a very human element to the credit decision process; from our Area Managers, to our Buyers, to our Customer Support teams, everyone is challenged with ensuring that success.”

Leading to over 25 years of proven industry experience, Jim began his career in the automotive business as an accountant with the automotive dealer accounting firm, Kobayashi & Company. In 1988 he joined the Los Angeles based Hankey Automotive Group and spent 5 years in its retail automotive group with positions in Retail, Finance and Business Operations.

Ravi Gandhi – Managing Director & Chief Financial Officer

Ravi has been an executive with United Auto Credit since August 2008. His most valuable experience lies in obtaining and securing access to capital. Ravi has more than 15 years of experience in the auto finance industry working for Financial Security Assurance (FSA) and now United Auto Credit.

Ravi has served as United Auto Credit Executive Vice President and Chief Financial Officer since September 2009. From August 2008 to September 2009, he served as the company’s Executive Vice President and Chief Credit and Risk Officer.

—“We are doing things that will make a difference by using proven, successful business practices. These practices ensure that United Auto Credit will never experience liquidity issues and will provide the best programs for contracted dealers.”

Ravi holds a Bachelor of Science in Business Administration from the State University of New York at Buffalo with a Concentration in Accounting.

Peter Krogh – General Counsel

Peter Krogh joined United Auto Credit as General Counsel in 2009. Utilizing his prior experience advising both publicly and privately held companies, Peter assists employees across the company in ensuring that relationships with dealers and customers – the heart of the company’s business – remain mutually beneficial.

—“As General Counsel, my fundamental role includes providing guidance to our Board, Executives and Employees with respect to regulatory compliance, corporate governance issues and contractual matters.”

Prior to joining United Auto Credit, Peter practiced in the Corporate Department of the international law firm, Latham & Watkins LLP, for over seven years as a corporate associate. His practice at Latham & Watkins focused on transactional work in capital markets, finance mergers and acquisitions, as well as general company representation matters for a number of both publicly-traded and privately-held companies across a number of industries.

Sang Kim – Chief Risk Officer

Sang Kim joined United Auto Credit as Chief Risk Officer in February 2016. Using her near 20 years of professional experience including 15 years of auto finance from the US to abroad and Prime to Deep Subprime, Sang is able to quickly identify key and emerging risks that are most important for the company at its current business environment. She has proven track records of successfully improving business processes and transforming culture in order to advance and move an enterprise to the next level.

—“Risk plays an integral role in the company’s strategic direction, development, and future growth”

Sang previously worked as a Senior Director at Hyundai Capital America where she successfully led diversified multi-functional teams that include Predictive Modeling, Advanced Analytics, Business Intelligence, Data Management, and Enterprise Data Strategy. Her strong leadership and in-depth industry knowledge were continually developed in the past when she worked as a Director and Assistant Vice President at Santander Consumer USA. She has also previously worked at Citi Credit Cards, GM Financial, and TrailBlazer Health Enterprises.

Sang holds a MBA from the University of Texas at Dallas, a MS Mathematics from the University of Texas at Arlington with a Statistics concentration, and a BS Mathematics from the University of Texas at Arlington with a Physics minor.

Jeff DePies – Chief Information Officer

Jeff DePies joined United Auto Credit as Chief Information Officer in April of 2016. As the company’s CIO, Jeff is responsible for providing technological leadership in the development and implementation of the company’s information technology programs. He continually works to develop and lead an efficient, forward-thinking IT department that is aligned and partnered with the business.

Jeff brings with him an extensive blend of corporate expertise coupled with a domestic intelligence and security service background. Prior to joining United Auto Credit, he worked as a Special Agent with the FBI, focusing on electronic crimes, as Vice President of IT for the TCW Group, and most recently he worked as Sr. Director of Information Technology at Green Dot Corporation. Jeff received his Bachelor’s degree in International Economics and Philosophy from the University of California, Los Angeles.