I have the same issue. When I open RAW files in Lightroom, Adobe RAW, or even Preview on my Mac, the image nearly matches the corresponding .jpg pair in terms of exposure. These are file pairs from three different cameras (Nikon, Canon, Sony). When I open them in Affinity Photo, the difference is remarkable - even with the Tone Curve applied in Develop, they're still very dark and appear markedly underexposed. And flat. Really, really flat. The only way I can get them close is by using Apple RAW instead of Serif and still using the Tone Curve - even then, they're still not that close.
I have no idea what, if anything, Lightroom, Adobe RAW, and Preview are doing to the RAW image - but most of my RAW files look awful when opened in AP using the default (Serif) engine and it's odd this might be the way it's supposed to be working - even with the Tone Curve "preset." Everyone else I know who has used Affinity Photo shared similar concerns. I see others on the forum have noticed the same issue having come from a variety of other image editing products.
I have never heard anything like what R C-R said about Lightroom applying a preset. I can't find anything when searching to back that up either, nor can I find evidence of it in my current version of Lightroom when opening RAW files taken with the Canon we have here at work. Not saying it's not possible, just that I've not heard of that.
I guess the bottom line is if RAW files don't look underexposed and flat with other image editing products, it seems odd that they would in Affinity Photo (and more odd that this would be done intentionally).