Martin Gutierrez is the founder of Auto Analytix, a business intelligence platform purpose-built for Buy Here Pay Here dealerships. His career spans all three sides of the BHPH ecosystem: lender, operator, and now the analytics partner serving the industry. Martin began in specialty finance, where he learned the lending side of subprime auto from the inside. He came to understand how portfolios are underwritten, how collections drive returns, and what separates a healthy book from a struggling one. He then crossed over to the dealer side as an operator, applying that lender’s lens to running a BHPH store.

His day-to-day covered inventory turn, deal structure, collections performance, and the operational decisions that determine whether a dealership grows or stalls. That dual perspective became the foundation for Auto Analytix. Frustrated by the gap between the data BHPH dealers had access to and the data they actually needed, Martin built a platform that consolidates information from every major DMS into unified dashboards covering sales, portfolio quality, collections, static pool analysis, and industry benchmarking. Today, Auto Analytix serves dealers across the country with the kind of KPI visibility that used to be reserved for the largest operators.

Martin speaks regularly on the metrics that actually move the needle in BHPH. He focuses on the difference between vanity numbers and the leading indicators that predict portfolio performance, the KPIs every dealer should be watching weekly, and how to use data to make sharper decisions on credit, inventory, and collections.