OppFi Investor Presentation Deck
24
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
Consumer
Behavior
I$I
Bank Data
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
Week
-2018
30
40
-2019
Marketing
Source
Half of OppFi's loans are awarded to customers with less than 550 FICO
50
-2020
...Despite More Approvals²
29% more loans approved than
by traditional credit scores
OppFi™™
Continue to review details about your credit
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