Keith Hickey

About the author:

Keith is a seasoned financial services executive with broad leadership experience across Canada and the US in automotive finance, consumer lending, commercial banking, risk management and audit. For the past decade, he held various executive roles on the leadership team of TD Auto Finance including leading product, strategy, innovation, data analytics, operations, and governance & controls. Keith is now President of Torwood Consulting Inc., a consulting and advisory services practice serving lenders and adjacent vendors to the automotive finance and consumer lending industry. Areas of expertise includes: product management, risk management, automated credit decisioning, data analytics, innovation strategy and lending operations.

Articles by Keith Hickey

AI Auto Financing: How Pricing Analytics Solves Margin Challenges in Canada

September 4, 2025

By Keith Hickey

Explore the pressing challenges of margin compression in the Canadian auto finance market and discover how leveraging AI-based pricing analytics can transform risk-aligned lending practices into a transparent, fair, and profitable future.