Patrick Rayball

General Motors Financial Co., Inc. provides automobile financing solutions. It utilizes a proprietary credit scoring system to differentiate credit applications and to statistically rank-order credit risk in terms of expected default rates, which enables the firm to evaluate credit applications for approval and tailor loan and lease pricing and structure. It operates through the following segments: North America and International. The North America Segment includes operations in the U.S. and Canada. The International Segment includes operations in Brazil, Chile, Colombia, Mexico and Peru, as well as equity investments in joint ventures in Asia/Pacific. The company was founded in September 1992 and is headquartered in Fort Worth, TX.