Affirm CFO Fireside Chat - March 2023

Michael Linford is the Chief Financial Officer at Affirm, where he oversees and manages the accounting, finance, capital markets, and strategic partnerships department at Affirm. Prior to joining Affirm, Michael held multiple leadership roles within investment, IT, and software companies. Previously, Michael was the Chief Financial Officer for Hewlett-Packard Enterprise Software where he led commercial work for all HPE separations and most recently served as the VP of M&A Integration at HP. Additionally, Michael dedicated seven years to global investment firm KKR & CO, working his way to Principal and offering strategic and tactical support to a wide portfolio of companies as a member of the operations group. He started his career in management consulting as a business analyst at McKinsey & Company focused on consumer and retail clients. Michael holds a B.S. from The University of Texas at Austin where he studied Mechanical Engineering.

Timothy Chiodo is a Managing Director covering the Payments, Processors, & FinTech Sector. Tim has over fourteen years of Wall Street experience, including time on both the buy side and sell side. Prior to joining Credit Suisse as a Director, Tim spent three years covering the Payments/FinTech and Internet sectors at Graticule Asset Management Asia (GAMA). Prior to GAMA, he spent eight years at UBS - both within Equity Research (Internet sector) and Institutional Equity Sales. Additionally, he worked as a consultant at Accenture. Tim holds a Bachelor of Science in Finance from Penn State (Schreyer Honors College), an MBA from Duke University's Fuqua School of Business, and is a CFA charterholder.

Moshe Orenbuch is a Managing Director responsible for research of the Specialty Finance sectors at Credit Suisse. In January 1999, Mr. Orenbuch formed part of the Donaldson, Lufkin & Jenrette (DLJ) financial services team covering specialty finance companies. He joined Credit Suisse in October 2000, upon the merger of DLJ with Credit Suisse . Before joining DLJ, Mr. Orenbuch was a senior research analyst at Sanford C. Bernstein, where he covered regional banks and credit card issuers. While there, he authored two editions of The Future of the Credit Card Industry, as well as numerous other industry and company reports. Prior to his work at Sanford C. Bernstein, Mr. Orenbuch worked as an auditor and management consultant at Deloitte Haskins & Sells. He was also a past president of the Bank and Financial Analysts Association. In each year beginning with 1993, Mr. Orenbuch has been a highly ranked analyst on Institutional Investor's All-America Research Team. In 2010, he achieved the #2 ranking for his coverage of Consumer Finance advancing from his #3 position in the prior two years. Moshe graduated from Yeshiva University in 1984 with a B.S. in accounting, summa cum laude.