近日，国家金融监督管理总局河南监管局正式发布任职批复，核准邵航担任河南中原消费金融股份有限 公司（下称"中原消金"）总经理的任职资格。 据了解，邵航在消费金融领域积淀了深厚的行业经验与管理资历。和原总经理周文龙一样，他是中原消 金的"元老级"核心成员，自公司筹建之初便已加入。任职期间，邵航先后担任公司董事、总经理助理等 关键岗位，2020年8月起升任副总经理，深度参与公司业务布局与运营管理，此次升任总经理属于内部 提拔。 值得关注的是，邵航与周文龙的职业轨迹存在交集，两人均拥有海尔系与中原消金的双重从业背景。 这一批复意味着中原消金核心管理层的人事调整正式落地。在此之前，中原消金原总经理周文龙已离任 并赴海尔消费金融出任总经理一职，而邵航此次是通过公司内部提拔的方式，成为新任总经理，补位核 心管理岗位。 在加入中原消金之前，邵航曾供职海尔集团，曾担任海尔集团财务有限责任公司消费金融事业部总经 理、海尔消费金融公司市场部总经理，具备产业系与银行系消费金融机构的双重从业经历。 而中原消金原总经理周文龙，也已于2025年10月调任海尔消金出任总经理，完成了从中原消金到海尔消 金的职业跨越。 2024年底，邵航曾以中 ...

"老将"周文龙"跳槽"后，中原消金迎来新任总经理！ 日前，国家金融监管总局河南监管局发布任职资格批复，核准邵航河南中原消费金融股份有限公司 （下称"中原消金"）总经理的任职资格。 据了解，邵航参与了中原消金的筹建，先后担任中原消金董事、总经理助理，2020年8月至今任中 原消金副总经理。在此之前，邵航曾供职海尔集团，曾担任海尔集团财务有限责任公司消费金融事业部 总经理、海尔消费金融公司市场部总经理，具备产业系与银行系消费金融机构的双重从业经历。 从2015年开始，周文龙离开中信银行总行，开始参与中原消金的筹备建立工作；2016年末中原消金 正式获批开业，周文龙出任中原消金总经理。截至此次任职资格获批前，周文龙在中原消金供职已有10 年。在担任中原消金总经理期间，周文龙主导了公司的自营渠道建设与线上渠道拓展工作，中原消金也 是行业内较早接入抖音等流量渠道的公司之一。 此前，国家金融监督管理总局青岛监管局发布任职资格批复，核准周文龙海尔消费金融有限公司 （简称"海尔消金"）总经理的任职资格。此次任职资格获批前，周文龙任中原消金总经理一职。周文龙 还曾在中信银行总行任职八年，历任消费金融事业部高级经理、零售信贷部副 ...

据了解，邵航参与了中原消费金融的筹建，先后担任中原消费金融董事、总经理助理，2020年8月至今 任中原消费金融副总经理。在此之前，邵航曾供职海尔集团，曾担任海尔集团财务有限责任公司消费金 融事业部总经理、海尔消费金融公司市场部总经理。 11月7日，国家金融监管总局河南监管局发布任职资格批复，核准邵航河南中原消费金融股份有限公司 （下文简称中原消费金融）总经理的任职资格，邵航成为该公司第二任总经理。 ...

Legal Disclosures This document contains summarized information concerning Regional Management Corp. (the "Company") and the Company's business, operations, financial performance, and trends. No representation is made that the information in this document is complete. For additional financial, statistical, and business information, please see the Company's most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q filed with the U.S. Securities and Exchange Commission (the "SEC"), as well as ...

Core Points - Regional Management Corp. announced the retirement of its President, CEO, and Director, Robert W. Beck, effective June 30, 2026, with Lakhbir Lamba appointed as his successor starting November 10, 2025 [1][3] - Lamba brings nearly 30 years of experience in consumer lending and financial services, having previously served as Executive Vice President at PNC Financial Services Group, managing a $32 billion portfolio [2][3] - The transition aims to ensure continuity in leadership and maintain the company's growth strategy, with Lamba expressing commitment to expanding the geographic footprint and leveraging technology for profitability [3] Company Overview - Regional Management Corp. is a diversified consumer finance company providing installment loan products primarily to customers with limited access to traditional credit [5] - The company operates under the name "Regional Finance" in 19 states across the U.S., offering secured loan products structured on a fixed-rate, fixed-term basis [5]

GREENVILLE, S.C.--(BUSINESS WIRE)--Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced results for the third quarter ended September 30, 2025. "Building on our strong second-quarter momentum, we delivered another outstanding performance in the third quarter,†said Robert W. Beck, President and Chief Executive Officer of Regional Management Corp. "We achieved net income of $14.4 million and diluted EPS of $1.42 — an 87% year-over-year improvement — and c. ...

Oportun 3Q 2025 Earnings Presentation November 4, 2025 Forward-looking statements This presencation and the easomariy poral presentation contain forward Housing statements of histian nents other ther statements of isitericas fract contained in the succ statements as to future performance, results of cceation and financial position achiever of our stransept of our stransept sinci ites and qadest on regercines con experion conditions and julye continins cour de change cif rate cologic innsan le exceptations o ...

Financial Data and Key Metrics Changes - Capital generation was $272 million, up 29% year over year [4] - C&I adjusted earnings were $1.90 per share, up 51% [4] - Total revenue grew 9% to $1.6 billion, with interest income also increasing by 9% [18] - Managed receivables ended the quarter at $25.9 billion, up $1.6 billion or 6% from a year ago [16] - Third quarter GAAP net income was $199 million, or $1.67 per diluted share, up 27% from the previous year [15] Business Line Data and Key Metrics Changes - Originations increased by 5% year over year, totaling $3.9 billion [16] - Credit card receivables reached $834 million, with over 1 million credit card customers [9] - Auto finance receivables were over $2.7 billion, up about $100 million from the last quarter [10] - Consumer loan yield was 22.6%, flat from the second quarter but up 49 basis points year over year [17] Market Data and Key Metrics Changes - 30-plus day delinquency rate was 5.41%, down 16 basis points year over year [5] - C&I net charge-offs were 7%, down 51 basis points compared to the previous year [5] - Consumer loan net charge-offs were 6.7%, down 66 basis points year over year [23] Company Strategy and Development Direction - The company is focused on innovation across products, digital experience, and data science to drive growth [31] - A conservative underwriting posture is maintained while exploring growth opportunities in high credit quality segments [17][38] - The company plans to increase its dividend by $0.01 quarterly, reflecting confidence in business strength [14] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the health of the consumer and the stability of the non-prime market [32][34] - There is a cautious optimism regarding macroeconomic factors, with expectations for continued year-over-year improvement in credit metrics [36] - The company anticipates capital generation in 2025 will significantly exceed 2024, reflecting strong business momentum [30] Other Important Information - The company has been recognized as one of America's top 100 most loved workplaces for 2025 [12] - A $1 billion share repurchase program was approved, indicating confidence in the company's capital generation [14] - The company has expanded its whole loan sale forward flow agreement, enhancing capital and funding flexibility [27] Q&A Session Summary Question: What is the current health of the non-prime consumer? - Management noted that they are not seeing negative trends in auto credit and that consumers are holding up well, with stable disposable income [32][33] Question: Can you provide insights on the direction of delinquencies? - Management expects continued year-on-year improvement in consumer loan net charge-offs and believes delinquencies are in line with expectations [36] Question: What is the company's stance on underwriting standards? - The company maintains a conservative underwriting posture and is focused on booking loans that meet risk-adjusted return thresholds [38] Question: How is the company managing funding costs? - Funding costs have come in lower than expected due to successful bond issuances and proactive debt management [41][42] Question: What are the company's plans regarding share buybacks? - The company anticipates increasing buybacks as excess capital generation grows, with a $1 billion program approved through 2028 [44] Question: How does the competitive environment look for originations? - The company sees a constructive competitive environment, with originations up 10% year-to-date, and pricing has remained stable [48][49]

Financial Performance - Originations reached $3.9 billion, a 5% year-over-year increase[13] - Capital Generation increased to $272 million, up 29% year-over-year[14] - Managed Receivables totaled $25.9 billion, reflecting a 6% year-over-year growth[15] - Consumer & Insurance (C&I) Adjusted Diluted EPS increased significantly to $1.90, a 51% year-over-year increase[17] Portfolio Quality - C&I Net Charge-offs decreased by 51 basis points year-over-year to 70%[17] - Consumer Loan Net Charge-offs decreased by 66 basis points year-over-year to 67%[17] - The company's 30+ delinquency rate was 541%, down 16bps year-over-year[47,50] New Products & Receivables - Credit Card Receivables grew to $834 million[16] - Auto Managed Receivables reached $2.7 billion[15] - BrightWay credit card rollout saw 11% quarter-over-quarter receivables growth[38] Capital Allocation - The company declared a dividend of $105 per share, an increase from $104[17] - The dividend yield is approximately 7% based on the closing share price on October 29, 2025[17] - The board authorized a $1 billion share repurchase program through December 31, 2028[17]

Core Insights - Affirm is expanding its partnership with New York Life Insurance, indicating a trend where traditional financial institutions are increasingly engaging with fintech-driven consumer lending [1][2] - Under the new agreement, New York Life will purchase up to $750 million worth of Affirm's installment loans through 2026, which will support approximately $1.75 billion in annual loan volume for Affirm [1] - The partnership builds on a relationship initiated in 2023, where New York Life began investing in Affirm's asset-backed securities, contributing nearly $2 billion to Affirm's collateral pools to date [2] - This collaboration reflects a broader trend of insurers and private-credit investors entering consumer finance, driven by the attractiveness of these assets amid rising interest rates [2]