A fintech with purpose

Oportun (Nasdaq: OPRT) is a financial services company and digital platform that uses A.I. and advanced data analytics to provide responsible consumer credit to hardworking people. Built on 15 years of proprietary customer insights and billions of unique data points, we provide our customers with alternatives to payday and auto title loans. In recognition of our responsibly designed products that help consumers build their credit history, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.

Impact at scale:

With 3,000 employees spread across the United States, Mexico and India, Oportun is a global company with the capacity to positively impact the lives of millions. Using A.I., we are actively solving a deep societal problem and imbalance: access to the capital that underserved

communities need to thrive. Over the course of our history, Oportun has raised billions of dollars in debt and equity from investors and extended more than $10 billion to low- and moderate-income communities in the form of

responsible and affordable credit.

As a publicly traded company, we have the advantage of scale, are powered by technology, and guided by our mission to serve the hardworking communities that have been traditionally underserved by the financial mainstream.

Oportun’s customers, the majority of whom live in low-to-moderate-income communities, are hardworking individuals, have limited savings, and almost half of them support a family. Approximately half of Oportun’s new customers do not have a FICO® credit score, and Oportun has helped more than 905,000 of them to begin establishing a credit history.

We believe:

Access to responsible and affordable financial services is a right that transcends color, gender, income, or ZIP code.

Demonstrating creditworthiness and building a credit score puts hardworking people on a path to prosperity.

In building relationships with our customers based on trust and mutual respect.

Our customers deserve to be provided with outstanding service, no matter their credit history.

We can make a positive and meaningful difference in the communities we serve.

We have a responsibility to use our platform to advocate for a better and more sustainable world.

Diversity, equity, inclusion and belonging

Fostering a diverse, equitable and inclusive workplace where we all feel a sense of belonging is directly connected to Oportun’s performance and ability to fulfill our mission. We are proud to say that at every level of our business, from frontline agents to the board of directors, the majority of our team identifies as a woman or person of color. The Oportun team reflects a diverse set of backgrounds, beliefs, and identities and embraces a culture of inclusion where team members are valued, respected, and belong.

Living our values:

Oportun has invested in a welcoming and inclusive company culture that is grounded in authenticity, trust, and mutual respect. We take our commitments seriously and expect our team to live our values every day.

EXCELLENCE – Holding ourselves accountable to the highest standards, producing great work and constantly learning from every experience.

INNOVATION – Challenging the status quo, learning from success and failure. Constantly pushing the boundaries of technology and data science in the service of our customers and our mission. Growing and continuously improving in all we do.

EMPOWERMENT – Providing the resources, tools, and support to allow our customers and employees to achieve their goals and realize their full potential.

SERVICE – Being of service to customers, our communities, and each other. Saying yes to people who ask for help, and going the extra mile to connect them with the resources they need.

COURAGE – Doing the right thing, especially when it is the hard thing, and owning the consequences of our actions. Expecting honesty and transparency and being open to all feedback.

CARE – Maintaining a culture of honesty, fairness, and compassion. Building relationships with our customers, communities, and employees based on trust and mutual respect.

Recognition:

In addition to being named a Top Workplace by the Bay Area News Group for three years running, Oportun was named one of Fast Company’s Most Innovative Companies for 2020, has previously been recognized as one of TIME Magazine’s 2018 Genius Companies for its innovative work in financial inclusion, and winner of the Best Consumer Lending product by Fintech Breakthrough Awards.