The "Board Deck Whisperer" (Prompt)

Turn a spreadsheet graveyard into a narrative investors actually read.

CONTEXT

No context provided.

THE PROMPT (Copy & Paste)

Act as a senior strategy consultant preparing materials for a board of directors.

I'll give you a set of raw quarterly metrics and operational data.

Your job is to:
1. Identify the 3 most important stories hiding in this data
2. Write a 3-paragraph executive narrative (no bullet points) connecting performance to strategy
3. Flag 2 potential board questions and draft sharp, candid answers
4. Suggest one forward-looking commitment statement based on trajectory

Tone: Confident, candid, board-appropriate. No jargon. Plain English. No hedging.

[PASTE QUARTERLY METRICS AND DATA HERE]

EXAMPLES

Raw Data:

Q3 originations: $142M (+18% YoY). Net charge-off rate: 12.3% (vs. 11.8% target). CAC up 9% QoQ. Texas and Ohio leading growth. SalaryTap pilots launched at 3 new employer partners.

Result:

Story 1 (The Growth Tax): Originations are accelerating, but the NCO drift signals the marginal borrower cohort is slightly riskier than the core. Growth is real — but it's not free.

Story 2 (The Channel Shift): Rising CAC in paid digital channels suggests saturation. The SalaryTap employer channel is the strategic release valve — lower CAC, stickier borrowers, less regulatory exposure.

Story 3 (Geographic Concentration Risk): TX and OH concentration creates dual legislative exposure heading into an election year where consumer lending rates are on the ballot.

Board Question 1: "Why is NCO above target despite model improvements?" → Answer: Cohort mix shift — Q3 saw a higher share of first-time borrowers in new geographies where behavioral data is thinner. We've tightened cutoffs for Q4.

Forward Commitment: By Q1, we will demonstrate that SalaryTap cohorts carry 15%+ lower NCO than direct digital — validating the channel thesis for the full rollout plan.