Auto Lending

NorthStar Captive Finance

"Auto lending, held to a higher line."

Charlotte, NC ·$4.2B loan portfolio, 1,200 employees, 26 dealer partners

The Story Hook

What's happening at NorthStar Captive Finance?

Sunrise Toyota, San Diego runs subprime concentration at ~32% (vs ~14% population). Delinquency at that one dealer runs ~26.5% while the rest of the book sits at 6-8%. The aggregate hides it; the dealer view surfaces it.

The People

Three protagonists.

Hero Persona

Nadia Bergstrom

CFO

"I need to walk into that OEM review with the concentration story, not the aggregate line — because the aggregate is what got us here."

Protagonist

Denicia Ortiz-Ramos

Field Dealer-Relationship Rep

"Tell me which credit tier is doing the damage and I'll walk in ready."

Analyst

Jae-Won Lee

Portfolio Analyst

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Pick this one

Ready to build?

In Beat 2 of the workshop, you'll pick NorthStar Captive Finance as your storyline. Claude Code has already read the semantic model, knows the personas, and understands the signal in the data. You describe the dashboard you want in plain English. It builds.

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