LendingClub · consulting-deck
2025 Investor Day
141 pages · 5 arc beats · 3 loops
2025 Investor Day
LendingClub arc beats above · slides in the middle · loops below · scroll → 3 LOOPS
1102030405060708090100110120130140141
Deck intelligence map
5 coverage by narrative range · generated from this deck JSON
Narrative range 123 total
Metadata
Components
Metrics
Tools
Frameworks
Beats
Loops
Situation & Context 5 slides 100% 5/5 slides 100% 5/5 slides · 14 hits — 0/5 slides
40% 2/5 slides — 0/5 slides
100% 5/5 slides — 0/5 slides
Problem & Complication 7 slides 100% 7/7 slides 100% 7/7 slides · 37 hits — 0/7 slides
28.6% 2/7 slides 28.6% 2/7 slides 100% 7/7 slides 100% 7/7 slides Solution & Approach 15 slides 100% 15/15 slides 100% 15/15 slides · 105 hits — 0/15 slides
20% 3/15 slides 20% 3/15 slides 100% 15/15 slides 100% 15/15 slides Evidence & Proof 20 slides 100% 20/20 slides 100% 20/20 slides · 114 hits — 0/20 slides
45% 9/20 slides 20% 4/20 slides 100% 20/20 slides — 0/20 slides
Impact & Next Steps 76 slides 100% 76/76 slides 100% 76/76 slides · 419 hits — 0/76 slides
43.4% 33/76 slides · 36 hits 18.4% 14/76 slides 100% 76/76 slides 100% 76/76 slides Slide inventory
141 every slide · same image gating as the playbook
09
The chart uses a shaded region to emphasize the $50k-$200k income bracket as 'The Motivated Middle'.analyze_data
10
The slide uses a donut chart to represent the 32% market segment and a comparison table for demographic metrics.present_solution
11
The slide uses a donut chart to highlight the 45% market share and a data table to break down specific debt categories.size_opportunity
13
The chart illustrates a shift in consumer behavior, with a 67% increase in preference for online banking apps and a 29% decrease in preference for branch-centriquantify_impact
14
The slide uses a split-screen comparison to highlight cost savings on loans and higher yields on savings accounts.compare_options
15
The slide uses a bar chart to highlight LendingClub's superior conversion rate compared to competitors.compare_peers
16
The slide uses a photo of a customer to humanize the data points.quantify_impact
17
The slide uses a chronological progression to demonstrate financial improvement (FICO score increase, DTI decrease) alongside income growth.illustrate_case
18
The slide uses a visual hierarchy to show payment priority, with 'Personal Loan' highlighted in green.quantify_impact
21
The background is a stylized binary code pattern, reinforcing the 'data' theme.establish_context
22
The slide uses large, stylized typography to emphasize scale.quantify_impact
24
The 3D cube diagram illustrates the multi-dimensional nature of the underwriting model.quantify_impact
25
The slide uses a comparison table to highlight the limitations of traditional credit scoring models.frame_problem
26
Uses a line chart to show debt accumulation patterns; highlights the limitation of traditional 'point in time' credit scoring.diagnose
27
The chart uses a shaded area between two lines to visualize the 'discerning power' gap, highlighting the model's ability to identify high-risk behavior.quantify_impact
28
The chart illustrates the efficiency gain of a proprietary model over a standard industry benchmark (FICO).quantify_impact
30
The slide uses a line chart to show performance trends over time, highlighting the delta between LendingClub and competitors with percentage reduction callouts.compare_peers
31
The slide features a cover image of the cited research paper alongside a pull-quote.cite_precedent
Open slide detailBeat · Evidence & Proof
32
The slide uses a circular process diagram to illustrate real-time data inputs for fraud detection.quantify_impact
Open slide detailBeat · Evidence & Proof
33
The slide uses a circular diagram to illustrate different fraud detection vectors, with 'Login Behavior' highlighted as the active focus.quantify_impact
Open slide detailBeat · Evidence & Proof
34
The slide uses a callout box to explain a specific fraud detection scenario (geolocation mismatch) while presenting a key performance metric on the right.illustrate_case
Open slide detailBeat · Evidence & Proof
35
The slide uses a hub-and-spoke visual to represent fraud detection vectors, with 'Email' highlighted.quantify_impact
Open slide detailBeat · Evidence & Proof
36
The slide uses a circular process diagram to illustrate the inputs for the AI fraud prevention system.quantify_impact
Open slide detailBeat · Evidence & Proof
38
The background is a stylized binary code pattern.transition
Open slide detailBeat · Evidence & Proof
41
The slide uses a series of four polaroid-style illustrations arranged along a horizontal arrow to represent a progression or breadth of service.present_solution
Open slide detailBeat · Evidence & Proof
42
Uses a circular diagram to represent a flywheel effect.present_solution
Open slide detailBeat · Evidence & Proof
43
The slide uses a polaroid-style illustration of credit cards in a basket to represent debt consolidation.transition
Open slide detailBeat · Evidence & Proof
49
The slide uses a linear process flow to represent the customer journey.present_framework
Open slide detailBeat · Evidence & Proof
50
The slide highlights the 'Verification' stage of a 7-step customer journey.quantify_impact
Open slide detailBeat · Evidence & Proof
51
The slide uses a bar chart to show lower relative marketing spend compared to peers, and a dot-matrix style table to show current channel penetration.compare_peers
52
The slide uses a bar chart to show lower relative marketing spend compared to peers and a dot-matrix style table to show channel activation maturity.quantify_impact
54
The chart is a waterfall-style visualization showing current state vs. potential growth segments.size_opportunity
55
The slide uses a simple illustration of a car at a traffic light to visually represent the auto refinance topic.transition
56
The slide uses a split-screen approach to contrast the market size with a specific pain point (dealer markup).size_opportunity
57
The slide uses a flywheel concept to explain the growth engine.quantify_impact
59
The slide highlights a $200B TAM for specific financing verticals.size_opportunity
62
The slide uses a split-view approach to show the consumer mobile interface and the provider desktop dashboard.present_solution
63
The slide uses a grid of icons to represent different business verticals and their current lifecycle stage.quantify_impact
67
The chart uses a waterfall-style buildup to show how current originations grow to the medium-term target.quantify_impact
72
The slide uses a horizontal bar chart style to visualize the multiplier effect of repeat borrowing on customer lifetime value.quantify_impact
78
Includes award badges for Money and Motley Fool Money.quantify_impact
79
Includes a screenshot of the mobile app interface.illustrate_case
81
Includes a visual representation of a mobile app interface showing rewards.illustrate_case
82
The slide uses a circular diagram to represent the ecosystem of products.quantify_impact
83
The slide uses a horizontal arrow background to imply a progression or breadth of services.present_solution
89
The diagram uses a layered approach to illustrate the integration of customer-facing products with backend infrastructure.present_solution
91
The slide uses a high-contrast background with four big-number metrics.quantify_impact
94
The slide serves as a product demo/showcase for the LendingClub tech platform.illustrate_case
98
The diagram uses an infinity-loop style visual to represent the interconnected nature of the two business models.present_framework
99
The slide uses a simple visual equation (Originations x Net Asset Yield) to define the core business success drivers.summarize
101
The slide uses a causal chain/logic flow to explain the business model.present_framework
102
The slide uses a visual bridge to explain the components of Net Asset Yield.quantify_impact
104
The slide uses a waterfall-like structure to show how gross APR is reduced by costs to arrive at net asset yield.quantify_impact
105
The slide uses a simplified waterfall visualization to show the spread between asset yield and funding cost.quantify_impact
111
This is a speaker introduction slide, likely used as a section divider.transition
112
Includes a non-GAAP financial measure disclosure at the bottom.quantify_impact
114
The chart shows a bridge from $10B current run rate to an $18-$22B target, broken down by product segment growth.quantify_impact
115
The slide uses a waterfall-style growth visualization for assets and a bar chart for NIM.quantify_impact
117
The chart shows a downward trend in the efficiency ratio from 73% in 1Q'24 to 61% in 3Q'25, with a further projected decline in the medium term.summarize
118
The chart illustrates the cumulative earnings recognition over time, highlighting the advantage of FVO over CECL.present_solution
119
The slide uses a waterfall chart to explain the drivers of ROTCE expansion.quantify_impact
122
The chart compares growth rates (CAGR) of TBV per share for LendingClub vs two peer groups.compare_peers
123
Data source: S&P Global Estimates as of October 31, 2025.compare_peers
132
The slide provides a clear breakdown of adjustments to GAAP Common Equity to arrive at Tangible Common Equity and subsequently Tangible Book Value Per Common Shsummarize