{
  "docId": "019de515-38aa-7781-a81c-2c13de0657dc",
  "docSlug": "a5e1530ea6b16356bce386065d6fb367",
  "documentTitle": "Dave | Results Presentation Deck | 38 slides",
  "authorId": "dave",
  "authorName": "Dave",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-03-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 21,
  "pageCount": 38,
  "prevPage": 20,
  "nextPage": 22,
  "slideType": "kpi_overview",
  "function": "diagnose_problem",
  "density": "overcrowded",
  "nDataPoints": 16,
  "notes": null,
  "elementsJson": null,
  "metadataConfidence": 0.9,
  "imagePath": null,
  "slideHref": "/slides/019de515-38aa-7781-a81c-2c13de0657dc/21",
  "deckHref": "/decks/019de515-38aa-7781-a81c-2c13de0657dc",
  "deckJsonHref": "/decks/019de515-38aa-7781-a81c-2c13de0657dc.json",
  "deckAnchorHref": "/decks/019de515-38aa-7781-a81c-2c13de0657dc#slide-21",
  "components": [
    {
      "bbox": {
        "h": 0.73,
        "w": 0.52,
        "x": 0.43,
        "y": 0.14
      },
      "kind": "chart",
      "text": "28 Day Average Quarterly Delinquency Rate\n3.21% 3.99% 4.32% 4.20% 3.06% 3.52% 4.87% 5.93% 3.56% 4.47% 4.20% 3.48% 3.27% 3.67% 4.07% 3.58%\n1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22",
      "attrs": {
        "x_axis_label": "Quarter",
        "y_axis_label": "Delinquency Rate (%)"
      },
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c09525eb-9bce-4c6d-8e50-d7cce4dfc69a",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.18,
        "w": 0.34,
        "x": 0.04,
        "y": 0.39
      },
      "kind": "paragraph",
      "text": "Our underwriting is differentiated as our Al is primarily using bank account transaction data which allows us to detect, nearly in real-time, changes in income, spending, savings, and employment signals. FICO underwriting bases credit decisions on bureau data which are lagging indicators of risk. This structural advantage positions us well in a stressed economic environment.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "482b74c6-d819-415b-b5fa-512e6f6deceb",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.04,
        "w": 0.34,
        "x": 0.04,
        "y": 0.7
      },
      "kind": "paragraph",
      "text": "DQ rates controllable with dynamic nature of risk program, combined with short-term nature of ExtraCash.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a677b1ba-794e-436c-80f3-22b95a31dbcb",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.06,
        "w": 0.34,
        "x": 0.04,
        "y": 0.62
      },
      "kind": "paragraph",
      "text": "DQ rates are expected to continue q-o-q improvement given continued underwriting optimizations and seasonally strong performance in 1Q due to tax refunds.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "dd1065bf-782c-4bef-92aa-523f5f4f3755",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.34,
        "x": 0.04,
        "y": 0.25
      },
      "kind": "paragraph",
      "text": "Significant improvements in DQ rates q-o-q (i.e. 49bps) while continuing to expand originations demonstrates our ability to strengthen unit economics as we scale. 4Q22 improvement of 62bps vs. 4Q19 i.e. pre-pandemic.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "e6339b56-2066-4b1b-ac9f-7869b08d7ba8",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.01,
        "w": 0.35,
        "x": 0.43,
        "y": 0.95
      },
      "kind": "source-note",
      "text": "Note: See Glossary for the definition of 28 Day Average Quarterly Delinquency Rate",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "586e7738-68af-4f0a-b78f-d6ec7df89ed8",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.09,
        "w": 0.34,
        "x": 0.04,
        "y": 0.09
      },
      "kind": "title",
      "text": "Improving delinquency performance",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "884210a0-7857-43b4-b422-d284e1bec71f",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Waterfall chart",
      "slug": "waterfall-chart",
      "agent": null,
      "layer": "slide",
      "matchId": "51698462-c801-4c54-8d21-c9d196982f16",
      "evidence": "chart/bar-vertical: 28 Day Average Quarterly Delinquency Rate",
      "confidence": 0.8
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 25,
      "from": 13,
      "beatId": "2873d4ca-e1e5-4de4-860c-f1d20c1885b1",
      "arcName": "Monroe's Motivated Sequence",
      "arcSlug": "monroes-sequence",
      "beatName": "Satisfaction",
      "beatSlug": "monroes-sequence-satisfaction",
      "evidence": "Business strategy and KPI overviews demonstrate satisfaction",
      "position": 2,
      "confidence": 0.8,
      "parentBeatName": "Turn",
      "parentBeatSlug": "turn"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}