Affirm Investor Presentation Deck slide image

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. 23
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