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  "documentTitle": "2025 Investor Day",
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  "notes": "Uses a line chart to show debt accumulation patterns; highlights the limitation of traditional 'point in time' credit scoring.",
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      "kind": "callout",
      "text": "We See... Borrower A: A high-quality borrower who wants to improve, Scores high on our model, Approve with lower pricing. Borrower B: A riskier borrower who has been rapidly accumulating debt, Scores low on our model, Decline (charged off at competitor)",
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      "text": "Traditional models see a point in time.",
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      "text": "Line chart showing Card Balance ($K) over time for two borrowers",
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      "text": "Traditional models see a point in time",
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      "kind": "title",
      "text": "Deeper Insights Result in Smarter Decisions",
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      "evidence": "The presentation outlines LendingClub's data-driven underwriting and AI-powered fraud prevention capabilities",
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