{
  "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": 18,
  "pageCount": 141,
  "prevPage": 17,
  "nextPage": 19,
  "slideType": "key_takeaways",
  "function": "quantify_impact",
  "density": "dense",
  "nDataPoints": 1,
  "notes": "The slide uses a visual hierarchy to show payment priority, with 'Personal Loan' highlighted in green.",
  "elementsJson": [
    "headline_text",
    "process_diagram",
    "big_number",
    "paragraph",
    "photo",
    "callout_box"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5eff-723e-9be4-4ff55c532153/18",
  "deckHref": "/decks/019dd923-5eff-723e-9be4-4ff55c532153",
  "deckJsonHref": "/decks/019dd923-5eff-723e-9be4-4ff55c532153.json",
  "deckAnchorHref": "/decks/019dd923-5eff-723e-9be4-4ff55c532153#slide-18",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "Borrowers are 64% more likely to pay their personal loan before their credit card",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd952-7322-729c-8f85-5e80655ba970",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.65,
        "w": 0.35,
        "x": 0.57,
        "y": 0.23
      },
      "kind": "image",
      "text": "FICO Score Credit Insights",
      "attrs": null,
      "subkind": "photo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "cfae2f9e-0f1b-4f92-ac47-421b4403ea8e",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.6,
        "w": 0.22,
        "x": 0.11,
        "y": 0.235
      },
      "kind": "list",
      "text": "Consumer Loan Payment Hierarchy\nAuto\nMortgage\nPersonal Loan\nCredit Card\nStudent Loan",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d02054e9-932f-43af-ad8a-83d9267a768c",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.15,
        "x": 0.35,
        "y": 0.4
      },
      "kind": "metric",
      "text": "64%",
      "attrs": null,
      "subkind": "big-number",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "3d9cbcdb-224c-45d4-b93d-4fd3ad47ee50",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Payment priority likelihood: 64%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd952-7322-729c-8f85-6259e14ebfb3",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.15,
        "x": 0.35,
        "y": 0.55
      },
      "kind": "paragraph",
      "text": "Borrowers are 64% more likely to pay their personal loan before their credit card",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "0184c2ce-2204-45f7-9b10-22bc0a386184",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.85,
        "x": 0.07,
        "y": 0.11
      },
      "kind": "title",
      "text": "Brand Loyalty Shows Up in Their Payment Priority",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "42d92d1a-d7f5-42a7-ba4d-326030b4d7f0",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 30,
      "from": 16,
      "beatId": "c24055c6-6aef-4df0-bc90-c23dccf17757",
      "arcName": "The Consultant's Gambit",
      "arcSlug": "consultants-gambit",
      "beatName": "Solution & Approach",
      "beatSlug": "consultants-gambit-solution-approach",
      "evidence": "The presentation outlines LendingClub's data-driven underwriting and AI-powered fraud prevention capabilities",
      "position": 2,
      "confidence": 0.8,
      "parentBeatName": "Turn",
      "parentBeatSlug": "turn"
    }
  ],
  "loops": [
    {
      "to": 30,
      "from": 16,
      "name": "Hypothesis Test",
      "slug": "42-hypothesis-test",
      "bestFor": "Strategy validation, due diligence, research presentations",
      "matchId": "f3b8a2f7-48fa-4bd7-b588-b7bd418ddeb8",
      "evidence": "The presentation provides metrics and case studies to demonstrate the effectiveness of its underwriting approach",
      "position": 1,
      "objective": "How effective is LendingClub's data-driven underwriting approach?",
      "structure": "The Hypothesis -> Test 1 (Supports/Refutes) -> Test 2 (Supports/Refutes) -> Conclusion (Validated/Pivoted)",
      "confidence": 0.7,
      "description": "State a hypothesis upfront, then systematically prove or disprove it with evidence"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}