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Lendit 2015

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Transcript of Lendit 2015

design by Dóri Sirály for Prezi
Start
Step 1
Step 2
Step 3
Goal
LET'S GET STARTED

Lendit 2013

CHALLENGES
NOVELTY
INTERESTING
NEW NICHE
GREAT IDEA
CAN'T LIVE
WITHOUT IT
WE ARE HERE
WE SHARE THREE COMMON GOALS:
To change the way people invest,
borrow, and pay for things
To provide convenient, cost-efficient access
to capital with a great experience
Lendit 2014
Lendit 2015
HOW FAR WE HAVE COME
S&P 500
Smartphones
Activated
Us!
LENDIT 2013 BHAGS
Review the legs of the stool we all stand on

Talk about the challenges

Our industry today

Thoughts on what's ahead

The "One Thing I Know for Sure"
PRODUCT
CAPITAL
Underwriting
Pricing
Credit
Servicing
Verification
Loan securitizations
Rating agencies approval
Billion dollar ++ valuations of the platforms
Billions of originations
Quality underwriting
WHERE ARE WE NOW?
LOAN SELECTION
POINT-OF-SALE
MORE LEVERAGE
PROVIDERS
OUR INDUSTRY IS REACHING
ESCAPE VELOCITY
Diversified
Varied risk appetite
Ready
"Permanent"
Acceptance
Ease of use
Meet the needs
Customer experience
Repeat business
New products
Varied customer acquisition
UNDER THE HOOD
Dreams that platforms can go public
Bank partnerships
Network effect
EAU of Investors and Borrowers
Collections
Predictability
Repeatable
Conversion
Compliance
SUSTAINABILITY

SCALE

PRODUCT & TECHNOLOGY INNOVATION

DIFFERENTIATION

BRAND
WHAT'S SURE TO COME
HERE NOW
ACCESS &
DISTRIBUTION
DERIVATIVES
BUILDING
BRANDS
SECONDARY
MARKETS (?)
SECURITIZATION
DERIVATIVES (?)
THE ONE THING
There is nothing more powerful than customers that are happy. They tell their friends, they refer their friends, they rate you, they post videos and pictures to tell their story.

A brand is no longer what we tell the consumer it is...it's what people tell each other it is!
Escape Velocity - (n.) - The speed needed to break free from gravity
By focusing on these three goals and executing on our business plans, we are making history together.
APRIL 14, 2015
DATA
PEOPLE
ANALYTICS
KPI's
TECHNOLOGY
AUTOMATION
REPEATABLE PROCESSES
TRANSPARENCY
& QUALITY
PROFESSIONAL
SELF-GOVERNANCE
HOW DO WE DEAL WITH WHAT'S TO COME?
BALANCE
WHERE ARE WE HEADED - NEW BHAGS
1.
2.
THAT'LL NEVER
HAPPEN!
YOU'RE CRAZY!
UNIVERSAL
STANDARDS
AA RATED
TRANCHE
MULTIPLE
AGENCY RATING
CAPITAL
TREATMENT
LISTED
VEHICLE IN USA
TOP 10 BANK
PARTNERSHIP
MAINSTREAM
ADOPTION
$20 BILLION
IN ONE YEAR
AA
ECONOMIC DOWNTURN

UNEMPLOYMENT

RISING INTEREST RATES

INFORMATION SECURITY

FAILURE OF A PLATFORM
WEALTH MANAGEMENT
BANKING
PERSONAL FINANCE
PAYMENTS
LENDING
So how do we get happier clients and more mainstream acceptance?
SUPERIOR
PRODUCT
TRANSPARENCY
SPEED
FAIRNESS
CUSTOMER
EXPERIENCE
MONEY TRANSFER
To provide investors simple and direct access to assets with attractive risk-adjusted yields
3.
LENDIT 2013 BHAGS
Loan securitizations

Rating agencies approval

Billion dollar ++ valuations of the platforms

Billions of originations

Quality underwriting
Dreams that platforms can go public

Bank partnerships

Network effect

EAU of Investors and Borrowers
EASE
Neither Prosper Funding LLC nor Prosper Marketplace, Inc. are registered as an investment adviser with any federal or state regulatory agency. The information contained in this presentation is for informational purposes, and should not be construed as individually tailored investment advice or as a recommendation with respect to any security or investment approach. This presentation has been prepared without regard to the circumstances and objectives of the conference’s participants and should not be relied upon as authoritative or taken in substitution for the exercise of judgment by any participant. Each participant should consider the appropriateness of any investment decision having regard to his or her own circumstances, the full range of information available and appropriate professional advice. Prosper Funding LLC and Prosper Marketplace, Inc. recommend that each participant seek independent investment and financial advice concerning any services or investments discussed in this presentation.

Notes are offered pursuant to the Prospectus which accompanies this presentation and which is also available at www.prosper.com/prospectus. Persons considering investing in Notes should review the Prospectus in its entirety.
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