Investor Presentaiton
Strong performance of repeat customers informs business strategy
Only performing customers
eligible for renewals
Repeat borrowers
re-underwritten
Strong payment track record
with OneMain may qualify customer
for larger loan
Income re-verified¹
10%
Collateral re-inspected
Repeat customers outperform new customers²
Affordability re-evaluated
9%
8%
7%
6%
5%
4%
3%
2%
1%
0%
0
2
4
6
8 10
12
14
16
18
20
22
24
26
28
30
32
32
2019 New Customers
2019 Present and Former Customers
Note: Rare exceptions may apply; Portfolio renewal data as of June 30, 2023.
1. Stated income with employment verification may be used in certain limited circumstances.
OneMain Financial.
2. Represents gross charge-off for 2019 originations.
34
44
36
36
38
40
40
42
42
Improved
performance
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