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Sasha Orloff

CEO & Co-founder, LendUp · 1 appearance on the record.

computed by AI from the episodes · how this works → · full disclaimer →

Sasha Orloff is the CEO and Co-founder of LendUp, a fintech startup offering personal loans and credit cards. Prior to launching LendUp, he worked as a venture capitalist with Citi Group's corporate venture capital arm.

13statements → 7claims → 3claims resolved → 33%fully supported → 4/5average certainty → 2.15/5average debate potential → 4.4/5argument clarity · the sources → 8said about them ↓

1 supported 1 partly supported 1 contradicted 4 not checkable as stated how the 7 claims stand · each chip opens the sources

7 assertions · 2 opinions · 3 insights · 1 disclosure · every statement was checked. The predictions and assertions are the 7 claims: statements the public record can support or contradict. 3 are resolved, and 4 name no date, number or outcome precise enough to check. Everything else (opinions, insights, what ifs, disclosures) can never be settled by the record, so it carries no assessment.

The record, in short

What the tape says about how Sasha argues and how the claims held up. Everything they said, and everything said about them, is in the tabs below.

Their most notable supported claim

Assertion Supported
Orloff: LendUp is the only US lender disbursing funds in 3.5 minutes
“We're the only lender in the United States where within three and a half minutes of not knowing anything about you right from your mobile phone, we can underwrite you, make a decision, and put money in your bank account.”
Sasha Orloff Jun 17, 2016 ▶ 16:29 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp

Their most notable contradicted claim

Assertion Contradicted
Orloff: LendUp built the only direct Visa and MasterCard mobile integration
“We rebuilt the entire experience for credit card, and we're the only direct connection to Visa and MasterCard directly to your mobile phone.”
Sasha Orloff Jun 17, 2016 ▶ 16:58 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp

Argument clarity: do they answer the question? how? →

4.4 / 5 directness 4.7 · coherence 4.7 · precision 4.1 · compression 3.8

answered every one of 18 assessed questions directly

This is a score against a rubric. It is not a rank. Every host question → answer exchange is scored with names hidden on directness, coherence, precision and compression, 1–5 each, on meaning alone: disfluencies are ignored, and only raw unedited episodes count. This is the score that measures thought. Every scored exchange, scores shown → · The rubric and its checks →

How they sound: speaking style how? →

254 words/min while actually speaking · 26.1 um and uh per 1k words

Measured by listening to the audio itself: 3,557 words across 1 episode of raw-level tape, transcribed verbatim with every um and uh kept, each one attributed only where the alignment onto our timed stream is unambiguous. These are measurements of speaking style. We do not rank them: across this corpus, fluency and argument quality are nearly uncorrelated (ρ≈0.2), and smooth talking does not signal clear thinking. How it's measured →

How the interview went all their pushback → series average →

Across 1 rated episode:

host pushback ▾ 3/10
pushed back at the host 1/10
setup questions received 70%

Everything Sasha Orloff said on 20VC that made the record, most notable first. Filter by type, assessment or year in the ledger →

Insight
Orloff: Failed founders learn more than employees at successful startups
“But I think, and I see now as a CEO of a fast growing company that I like entrepreneurs, even if they failed, because you learn so much through the failing process even more so than I think just being a contributor towards the success of Or just another compan…”
Sasha Orloff Jun 17, 2016 ▶ 4:01 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Opinion
Orloff: Managing hundreds of millions as a VC is an easy job
“Having a pretty cushy job where you're paid pretty well to listen to exciting, inspiring people come pitch you on ideas, and you're managing hundreds of millions of dollars. In our case, that's, it's a pretty easy job.”
Sasha Orloff Jun 17, 2016 ▶ 4:50 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Assertion Not checkable as stated
Orloff: Traditional banks cannot adapt to mobile and regulatory shifts in consumer behavior
“Sort of over the course of the 18 months at City Ventures, I was building more and more conviction about this idea that between mobile and regulatory and software changes that banks were not going to be able to adapt to the changing consumer behavior and chang…”
Sasha Orloff Jun 17, 2016 ▶ 5:59 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Assertion Not checkable as stated
Orloff: Traditional banks in the US and globally outsource their software
“Banks in the United States, and I'm, I think all over the world, outsource their software.”
Sasha Orloff Jun 17, 2016 ▶ 14:58 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Assertion Supported
Orloff: LendUp is the only US lender disbursing funds in 3.5 minutes
“We're the only lender in the United States where within three and a half minutes of not knowing anything about you right from your mobile phone, we can underwrite you, make a decision, and put money in your bank account.”
Sasha Orloff Jun 17, 2016 ▶ 16:29 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Assertion Contradicted
Orloff: LendUp built the only direct Visa and MasterCard mobile integration
“We rebuilt the entire experience for credit card, and we're the only direct connection to Visa and MasterCard directly to your mobile phone.”
Sasha Orloff Jun 17, 2016 ▶ 16:58 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Opinion
Orloff: Traditional banks are the future of finance, not fintech replacements
“So, we're a firm believer that banks are the future, and we can help them.”
Sasha Orloff Jun 17, 2016 ▶ 18:56 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Insight
Orloff: Venture capitalists are either deal-flow selectors or hypothesis-driven
“And one of the parts of venture capital I think there's sort of two types of venture capitalists. There's one that just has all their deal flow and they get to pick and choose their deals. And there's others that have to be more hypothesis driven.”
Sasha Orloff Jun 17, 2016 ▶ 2:37 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Insight
Orloff: Raising capital without traction allows founders to sell pure vision
“It's both sides. It's harder because you have no traction, but it's easier because you have no traction. You get to sell the vision of what you're trying to accomplish.”
Sasha Orloff Jun 17, 2016 ▶ 13:44 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Assertion Partly supported
Orloff: US underbanked sector expands as shrinking middle class lacks financial bridges
“The United States is a very divided market between the banked, which is and the unbanked and then the sort of payday title pawn markets and there isn't this bridge between the worlds. That's a big and growing market given the shrinking middle class in the Unit…”
Sasha Orloff Jun 17, 2016 ▶ 14:13 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Assertion Not checkable as stated
Orloff: LendUp maintained double-digit monthly customer growth for four years
“But we've had double digit month on month customer growth for four years now.”
Sasha Orloff Jun 17, 2016 ▶ 22:21 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Assertion Not checkable as stated
Orloff: LendUp Has a Double-Digit Viral Growth Component
“And we have a double digit viral component to our business, which is, it's still mind blowing, but it's the most validating thing to think about.”
Sasha Orloff Jun 17, 2016 ▶ 22:33 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp
Disclosure
Orloff: Took zero salary starting LendUp while wife funded living expenses
“I started when I was 35. I was in a place where I happened to be married and my wife had a job and she was very supportive given she was about to fund our living expenses when I was making zero money.”
Sasha Orloff Jun 17, 2016 ▶ 8:12 20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orloff @ LendUp

The other half of the tape: Sasha Orloff's own voice is left out of every number here. Other people bring the name up 8 times in 3 episodes on 20VC. every mention, with the transcript →

Who brings them up most Harry Stebbings 7

Every mention by year

Appearances (1)

EpisodeDateSpeaking time
20VC: Raising $150m, Meeting Yuri Milner & Revolutionising Mobile Finance with Sasha Orlof Jun 17, 2016 16m
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