OppFi SPAC Presentation Deck
20
Proprietary Al Powered, Credit Decisioning Algorithms...
Our proprietary algorithms look beyond credit score to instantly identify borrowers
who have the ability and willingness to repay
Decisions Powered By... ...Result in Stable Write-offs by Cohort...1 ...Despite More Approvals²
29% more loans approved than
by traditional credit scores
Consumer
Behavior
|$|
Bank Data
اس
Alternative
Bureau Data
Income Data
Employment
Data
20.0%
16.0%
12.0%
8.0%
4.0%
10
1. Q3 vintages since 2017
2. OppFi analysis of UW4 Score (internal underwriting model) versus Vantage 4 Score
20
-2017
30
Week
-2018-2019
40
50
Marketing
Source
Half of OppFi's loans are awarded to customers with less than 550 FICO
-2020
OppFi"
Successfully Selected ACM Repayment Method
Continue to review details about your credit
score and sign your contract
OppFi"View entire presentation