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Denise Brown

Vice President & Chief Credit Officer

Denise Brown is the Vice President and Chief Credit Officer of CarMax Auto Finance, the captive finance division of CarMax, the nation’s largest retailer of used cars.  With a portfolio of over $16 billion, CarMax Auto Finance serves more than 1.1 million customers. In this role, Denise leads the team responsible for risk strategies and analytics for omni-channel customer acquisition experience and loan originations, CAF portfolio management, and all CarMax financial services and products. She is also responsible for CarMax Auto Finance strategy and the technology enablement team tasked with leading technology and data strategy, design, and implementation.  

Denise is an experienced and accomplished risk management and technology leader, having served as Chief Risk Officer and CIO at Toyota Financial Savings Bank and Harley-Davidson Financial Services, with prior roles at GE Capital, Merrill Lynch Capital, and Transamerica. Recently named a Top 100 Auto Finance Innovator for 2021, Ms. Brown is widely considered a thought leader and innovator in the risk management field. Denise holds a degree in Economics from Northwestern University.