Affirm Investor Presentation Deck
Data-Driven Insights
Fuel Risk Management
Risk Management Architecture
Billions
unique datapoints
for algorithm
50M+
loans power
and improve models
affirm
40-80
specific inputs to
detect fraud
500+
data points for risk
management
Affirm Can Approve More Customers with Lower Losses...
120%
100%
80%
60%
40%
20%
0%
150%
100%
50%
0
0%
1 2
3
4
0 1 2
Affirm Consumer Rank
5
Decile
...Or Take on Less Losses with the Same Amount of Customers
3 4
6
5
Decile
7
8
FICO Consumer Rank
6 7
9 10
8
9
10
1. For a given level of risk, our proprietary model is capable of accepting significantly more applications when
compared to FICO's scoring methods through a superior ability to price risk. Alternatively, for any given
consumer sub-segment, our model produces lower risk outcomes than FICO scoring.
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