{
  "docId": "019dd923-5eff-723e-9be4-4ff55c532153",
  "docSlug": "d566adcfe9e9361f",
  "documentTitle": "2025 Investor Day",
  "authorId": "LendingClub",
  "authorName": "LendingClub",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 107,
  "pageCount": 141,
  "prevPage": 106,
  "nextPage": 108,
  "slideType": "key_messages",
  "function": "summarize",
  "density": "balanced",
  "nDataPoints": 0,
  "notes": null,
  "elementsJson": [
    "headline_text",
    "icon_grid"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5eff-723e-9be4-4ff55c532153/107",
  "deckHref": "/decks/019dd923-5eff-723e-9be4-4ff55c532153",
  "deckJsonHref": "/decks/019dd923-5eff-723e-9be4-4ff55c532153.json",
  "deckAnchorHref": "/decks/019dd923-5eff-723e-9be4-4ff55c532153#slide-107",
  "components": [
    {
      "bbox": {
        "h": 0.18,
        "w": 0.35,
        "x": 0.56,
        "y": 0.26
      },
      "kind": "list",
      "text": "ALIGNED INCENTIVES: As the largest holder of our own loans, we're invested in delivering strong, stable, risk-adjusted returns",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "2d1c8f17-8333-4810-ac3b-009edc56096f",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.18,
        "w": 0.35,
        "x": 0.13,
        "y": 0.26
      },
      "kind": "list",
      "text": "A TRUSTED COUNTERPARTY: Loan investors have peace of mind that we operate within a strong regulatory framework",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "5852d66b-ea72-4213-bf21-08f15e2813ee",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.18,
        "w": 0.35,
        "x": 0.56,
        "y": 0.56
      },
      "kind": "list",
      "text": "TESTING & INNOVATION: Having a balance sheet allows us to test and validate borrower and investor product innovations",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "8c82ba4f-8d96-4cdb-b016-1fc5619d7f80",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.18,
        "w": 0.35,
        "x": 0.13,
        "y": 0.56
      },
      "kind": "list",
      "text": "LOW COST OF CAPITAL: Our deposit base enables low-cost financing for us and our loan investors, resulting in better returns for all",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "cf4c5e93-ca0e-43fa-ab1e-359da4608139",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.06,
        "w": 0.6,
        "x": 0.07,
        "y": 0.12
      },
      "kind": "title",
      "text": "Being a Bank Makes Us a Better Marketplace",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "56dc0c95-6ff2-46c0-9c2b-7ee4bf64786e",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "List presentation",
      "slug": "list-presentation",
      "agent": null,
      "layer": "slide",
      "matchId": "2263ed13-5f18-4068-a632-36fc1cb25aff",
      "evidence": "list/bullet: LOW COST OF CAPITAL: Our deposit base enables low-cost financing for us and our loan investors, resulting in better returns for all",
      "confidence": 0.7
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 126,
      "from": 51,
      "beatId": "956c5170-fd7a-4814-a045-0926417346ef",
      "arcName": "The Consultant's Gambit",
      "arcSlug": "consultants-gambit",
      "beatName": "Impact & Next Steps",
      "beatSlug": "consultants-gambit-impact-next-steps",
      "evidence": "The presentation concludes with growth opportunities, financial projections, and a call to action",
      "position": 4,
      "confidence": 0.8,
      "parentBeatName": "Resolution",
      "parentBeatSlug": "resolution"
    }
  ],
  "loops": [
    {
      "to": 126,
      "from": 51,
      "name": "Quick Win Big Bet",
      "slug": "47-quick-win-big-bet",
      "bestFor": "Transformation planning, 100-day plans, resource allocation",
      "matchId": "d13c9b22-f435-4b3b-b29b-2579632f5160",
      "evidence": "The presentation outlines various growth opportunities and financial projections",
      "position": 2,
      "objective": "What are the growth opportunities for LendingClub?",
      "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap",
      "confidence": 0.8,
      "description": "Separate initiatives into immediate wins and longer-term strategic bets"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}