[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] [@zoozai_invest](/creator/twitter/zoozai_invest) "Look what strong lending models can do. This LendingTree ( $TREE ) comparison shows top lenders for bad credit loans. - Only $UPST accepts scores as low as XXX - Starts at just XXX% APR lower than all others - And has the most favorable reviews by far Low credit scores and low interest rates- as long as the models hold up thats their best edge"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1946924108182159806) 2025-07-20 13:24:14 UTC XX followers, XXX engagements "9/ Fintech is full of AI promises. But very few companies are this deliberate about model evaluation. $UPST s R&D loan program is an underappreciated moat and a signal that they take model risk the right way"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1948464589680595240) 2025-07-24 19:25:33 UTC XX followers, XXX engagements "1/ What can you really learn about a company from Glassdoor reviews Sure angry posts can exaggerate. But I still read them all from X to X and try to catch the underlying vibe. Surprisingly the most insightful stuff often comes from the 4-5 star reviews. $OMF below. 🧵"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947395299955409050) 2025-07-21 20:36:35 UTC XX followers, XX engagements "1/ Old-school vs AI lending 👇 OneMain ( $OMF ) staffs branches with local reps. Real people real relationships. $UPST All digital. All instant. Which works better 🧵"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947365364515434623) 2025-07-21 18:37:37 UTC XX followers, XXX engagements "4/ $UPST created a pool of R&D loans real loans made with real money funded on their balance sheet specifically for model testing. These arent optimized for growth or margin. Theyre designed to learn: What happens when a new model underwrites in the real world"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1948464578595102922) 2025-07-24 19:25:30 UTC XX followers, XXX engagements "3/ Most fintechs validate models offline. Better lift cleaner curves good backtests. But actual outcomes depend on real-world customer behavior and that cant be modeled perfectly. Thats why live experiments matter"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1948464576254935138) 2025-07-24 19:25:30 UTC XX followers, XX engagements "3/ I know you can't XXX% rely on Glassdoor data. But its not noise either. You can get the vibe especially when the same themes show up across scores and roles. In $OMF s case: traditional model modern pressure outdated tools. Anyone else use employee reviews when evaluating a stock"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947395304598188293) 2025-07-21 20:36:36 UTC XX followers, XX engagements "7/ Ill be watching $OMFs report closely: What do provisions look like Are delinquencies creeping up Any signs of tech investment or modernization Because overall I still think $OMF is a solid investment. They clearly know how to manage the business . But"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947726251570941961) 2025-07-22 18:31:40 UTC XX followers, XXX engagements "$OMF results look good. I usually wait for the full 10-Q before making any comments- thats where the real story is between the lines. But with a dividend yield this good (7%) its tempting to hold just for that. If you want exposure to subprime lending $OMF should definitely be considered. Less techy than $UPST or $PGY (dis) but it has the profitability and discipline of an old school lender"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1948773644580110668) 2025-07-25 15:53:37 UTC XX followers, XXX engagements "Notes from the Footnotes: Figma IPO week Figma says it had 13M+ MAUs in Q1 XX. Sounds great. But the fine print caught my eye. $FIG defines MAUs as unique users of any product and reports the busiest month of the quarter- not an average. Quite different from most. Not a red flag. I just like knowing what numbers Im reading. 📊"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1949562636720386063) 2025-07-27 20:08:48 UTC XX followers, XXX engagements "Notes from the Footnotes: $FIG IPO 🌀 OK wait- I had to read this twice. Figmas raising cash in its IPO to repay a loan it just took out to pay taxes on employee RSUs. And that loan It came from the same banks underwriting the IPO (Goldman JPM Morgan Stanley). Since theyre getting paid back with IPO proceeds it triggers a conflict of interest under FINRA rules. Not shady just one of those footnote things I like to uncover👀"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1949574261120917747) 2025-07-27 20:54:59 UTC XX followers, XXX engagements "7/ R&D loans come with cost. You will make some bad loans. But thats a small price to pay for ✅ Confidence in rollout ✅ Faster iteration cycles ✅ Fewer costly mistakes at scale Its skin-in-the-game experimentation"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1948464585838670257) 2025-07-24 19:25:32 UTC XX followers, XX engagements "2/ Looking at $OMF (OneMain) heres what stood out: - Management issues - not necessarily bad intent but many say leadership feels unfocused or out of touch. If enough people say it the perception matters. - Micromanagement - comes up a lot. It may reflect pressure to hit targets. - In-house tech - not great. Lines up with what we already know: old school practices slow to innovate vs peers. - High targets - several reviewers mention loan goals leading to less customer-friendly outcomes"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947395302358716640) 2025-07-21 20:36:35 UTC XX followers, XX engagements "8/ So when $UPST says Model XX led to a XX% lift in originations It lands differently knowing theyre testing new models in the wild not just in Jupyter notebooks. Its not flashy. But its one of the most durable edges in fintech"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1948464587734446432) 2025-07-24 19:25:33 UTC XX followers, XXX engagements "4/ What do you think 🤔 Do real relationships = better repayment 💸 Does it affect pricing 💬 Would you rather talk to a person or an app"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947365370127327528) 2025-07-21 18:37:39 UTC XX followers, XX engagements "OneMain ( $OMF ) reports Friday before the bell. After $PGY crushed expectations curious to see if that good vibe extends to the rest of retail lending- $TREE $UPST etc. Could be a nice read on how consumers are really doing"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1946937555137511556) 2025-07-20 14:17:40 UTC XX followers, XXX engagements "5/ Diving into $OMF business before it files the quarterly results (this Friday) to find answers"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947365371834483132) 2025-07-21 18:37:39 UTC XX followers, XX engagements "4/ Sure they also run efficient funding structures (ABS forward-flow deals etc.) but the real unlock is the credit quality improvement. Better underwriting means lower losses better margins and confidence to keep growing"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947726245157904603) 2025-07-22 18:31:38 UTC XX followers, XX engagements "Borrow at 6%. Lend at 25%. Looks like magic- until this number hits. 👇 This is the real story of nonprime consumer lending through just X numbers from $OMF s 2024 report: X $4.99B in interest income X $1.18B in funding cost X $2.04B in credit losses At first glance its a dream. XX% spread Easy money. But #3 is the killer. Losses swallow most of the upside. Quietly relentlessly. Traditional lenders call it provision for credit losses. Platform lenders like $UPST mark it as fair value adjustments. Key takeaway: In subprime its not what you charge that matters. And not even what you borrow at."  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1948104090145239277) 2025-07-23 19:33:03 UTC XX followers, XX engagements "2/ From $OMF s filing: Customers often build relationships with local reps we think it improves credit performance and loyalty. Basic claim: trust = better loans. That old community bank vibe"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947365366457303114) 2025-07-21 18:37:38 UTC XX followers, XX engagements "1/ With $OMF reporting soon Ive been thinking a lot about $PGY s latest results. Pagaya went the extra mile this quarter and I think the reason is pretty clear: AI-powered underwriting. It makes me wonder what that means for more traditional lenders like OneMain. 🧵"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947726238799294762) 2025-07-22 18:31:36 UTC XX followers, XXX engagements "5/ And then theres $OMF. I respect the model: branches relationships decades of lending DNA. But I keep thinking what happens if conditions tighten can they keep up without deeper tech in their risk stack"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947726247305355367) 2025-07-22 18:31:39 UTC XX followers, XX engagements "Happy to see $GOOGLE 's GCP revenue on the rise. Not (just) for financial reasons but because more devs are finally realizing its the best cloud to build on. Way more user-friendly than $AMZN AWS. Just better than $MSFT Azure"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1948355045004582969) 2025-07-24 12:10:16 UTC XX followers, XX engagements "6/ The human connection for sure has an edge. But its slower more expensive and harder to scale. If the economy doesnt cooperate that could hurt"  [@zoozai_invest](/creator/x/zoozai_invest) on [X](/post/tweet/1947726249452777749) 2025-07-22 18:31:39 UTC XX followers, XX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@zoozai_invest
"Look what strong lending models can do. This LendingTree ( $TREE ) comparison shows top lenders for bad credit loans. - Only $UPST accepts scores as low as XXX - Starts at just XXX% APR lower than all others - And has the most favorable reviews by far Low credit scores and low interest rates- as long as the models hold up thats their best edge"
@zoozai_invest on X 2025-07-20 13:24:14 UTC XX followers, XXX engagements
"9/ Fintech is full of AI promises. But very few companies are this deliberate about model evaluation. $UPST s R&D loan program is an underappreciated moat and a signal that they take model risk the right way" @zoozai_invest on X 2025-07-24 19:25:33 UTC XX followers, XXX engagements
"1/ What can you really learn about a company from Glassdoor reviews Sure angry posts can exaggerate. But I still read them all from X to X and try to catch the underlying vibe. Surprisingly the most insightful stuff often comes from the 4-5 star reviews. $OMF below. 🧵" @zoozai_invest on X 2025-07-21 20:36:35 UTC XX followers, XX engagements
"1/ Old-school vs AI lending 👇 OneMain ( $OMF ) staffs branches with local reps. Real people real relationships. $UPST All digital. All instant. Which works better 🧵" @zoozai_invest on X 2025-07-21 18:37:37 UTC XX followers, XXX engagements
"4/ $UPST created a pool of R&D loans real loans made with real money funded on their balance sheet specifically for model testing. These arent optimized for growth or margin. Theyre designed to learn: What happens when a new model underwrites in the real world" @zoozai_invest on X 2025-07-24 19:25:30 UTC XX followers, XXX engagements
"3/ Most fintechs validate models offline. Better lift cleaner curves good backtests. But actual outcomes depend on real-world customer behavior and that cant be modeled perfectly. Thats why live experiments matter" @zoozai_invest on X 2025-07-24 19:25:30 UTC XX followers, XX engagements
"3/ I know you can't XXX% rely on Glassdoor data. But its not noise either. You can get the vibe especially when the same themes show up across scores and roles. In $OMF s case: traditional model modern pressure outdated tools. Anyone else use employee reviews when evaluating a stock" @zoozai_invest on X 2025-07-21 20:36:36 UTC XX followers, XX engagements
"7/ Ill be watching $OMFs report closely: What do provisions look like Are delinquencies creeping up Any signs of tech investment or modernization Because overall I still think $OMF is a solid investment. They clearly know how to manage the business . But" @zoozai_invest on X 2025-07-22 18:31:40 UTC XX followers, XXX engagements
"$OMF results look good. I usually wait for the full 10-Q before making any comments- thats where the real story is between the lines. But with a dividend yield this good (7%) its tempting to hold just for that. If you want exposure to subprime lending $OMF should definitely be considered. Less techy than $UPST or $PGY (dis) but it has the profitability and discipline of an old school lender" @zoozai_invest on X 2025-07-25 15:53:37 UTC XX followers, XXX engagements
"Notes from the Footnotes: Figma IPO week Figma says it had 13M+ MAUs in Q1 XX. Sounds great. But the fine print caught my eye. $FIG defines MAUs as unique users of any product and reports the busiest month of the quarter- not an average. Quite different from most. Not a red flag. I just like knowing what numbers Im reading. 📊" @zoozai_invest on X 2025-07-27 20:08:48 UTC XX followers, XXX engagements
"Notes from the Footnotes: $FIG IPO 🌀 OK wait- I had to read this twice. Figmas raising cash in its IPO to repay a loan it just took out to pay taxes on employee RSUs. And that loan It came from the same banks underwriting the IPO (Goldman JPM Morgan Stanley). Since theyre getting paid back with IPO proceeds it triggers a conflict of interest under FINRA rules. Not shady just one of those footnote things I like to uncover👀" @zoozai_invest on X 2025-07-27 20:54:59 UTC XX followers, XXX engagements
"7/ R&D loans come with cost. You will make some bad loans. But thats a small price to pay for ✅ Confidence in rollout ✅ Faster iteration cycles ✅ Fewer costly mistakes at scale Its skin-in-the-game experimentation" @zoozai_invest on X 2025-07-24 19:25:32 UTC XX followers, XX engagements
"2/ Looking at $OMF (OneMain) heres what stood out: - Management issues - not necessarily bad intent but many say leadership feels unfocused or out of touch. If enough people say it the perception matters. - Micromanagement - comes up a lot. It may reflect pressure to hit targets. - In-house tech - not great. Lines up with what we already know: old school practices slow to innovate vs peers. - High targets - several reviewers mention loan goals leading to less customer-friendly outcomes" @zoozai_invest on X 2025-07-21 20:36:35 UTC XX followers, XX engagements
"8/ So when $UPST says Model XX led to a XX% lift in originations It lands differently knowing theyre testing new models in the wild not just in Jupyter notebooks. Its not flashy. But its one of the most durable edges in fintech" @zoozai_invest on X 2025-07-24 19:25:33 UTC XX followers, XXX engagements
"4/ What do you think 🤔 Do real relationships = better repayment 💸 Does it affect pricing 💬 Would you rather talk to a person or an app" @zoozai_invest on X 2025-07-21 18:37:39 UTC XX followers, XX engagements
"OneMain ( $OMF ) reports Friday before the bell. After $PGY crushed expectations curious to see if that good vibe extends to the rest of retail lending- $TREE $UPST etc. Could be a nice read on how consumers are really doing" @zoozai_invest on X 2025-07-20 14:17:40 UTC XX followers, XXX engagements
"5/ Diving into $OMF business before it files the quarterly results (this Friday) to find answers" @zoozai_invest on X 2025-07-21 18:37:39 UTC XX followers, XX engagements
"4/ Sure they also run efficient funding structures (ABS forward-flow deals etc.) but the real unlock is the credit quality improvement. Better underwriting means lower losses better margins and confidence to keep growing" @zoozai_invest on X 2025-07-22 18:31:38 UTC XX followers, XX engagements
"Borrow at 6%. Lend at 25%. Looks like magic- until this number hits. 👇 This is the real story of nonprime consumer lending through just X numbers from $OMF s 2024 report: X $4.99B in interest income X $1.18B in funding cost X $2.04B in credit losses At first glance its a dream. XX% spread Easy money. But #3 is the killer. Losses swallow most of the upside. Quietly relentlessly. Traditional lenders call it provision for credit losses. Platform lenders like $UPST mark it as fair value adjustments. Key takeaway: In subprime its not what you charge that matters. And not even what you borrow at." @zoozai_invest on X 2025-07-23 19:33:03 UTC XX followers, XX engagements
"2/ From $OMF s filing: Customers often build relationships with local reps we think it improves credit performance and loyalty. Basic claim: trust = better loans. That old community bank vibe" @zoozai_invest on X 2025-07-21 18:37:38 UTC XX followers, XX engagements
"1/ With $OMF reporting soon Ive been thinking a lot about $PGY s latest results. Pagaya went the extra mile this quarter and I think the reason is pretty clear: AI-powered underwriting. It makes me wonder what that means for more traditional lenders like OneMain. 🧵" @zoozai_invest on X 2025-07-22 18:31:36 UTC XX followers, XXX engagements
"5/ And then theres $OMF. I respect the model: branches relationships decades of lending DNA. But I keep thinking what happens if conditions tighten can they keep up without deeper tech in their risk stack" @zoozai_invest on X 2025-07-22 18:31:39 UTC XX followers, XX engagements
"Happy to see $GOOGLE 's GCP revenue on the rise. Not (just) for financial reasons but because more devs are finally realizing its the best cloud to build on. Way more user-friendly than $AMZN AWS. Just better than $MSFT Azure" @zoozai_invest on X 2025-07-24 12:10:16 UTC XX followers, XX engagements
"6/ The human connection for sure has an edge. But its slower more expensive and harder to scale. If the economy doesnt cooperate that could hurt" @zoozai_invest on X 2025-07-22 18:31:39 UTC XX followers, XX engagements