Our vision

Pursuing truth in credit

Empowering originators. Managing risk for investors. Creating possibilities for borrowers.

What we do

We build institutional-grade underwriting infrastructure for consumer debt markets

We've priced and purchased billions of dollars in loan volume since 2014, powering the longest running investment program in the market

Why we exist

Consumer credit markets have an efficiency problem

01 / 03

Inaccessible credit

Borrowers who could be approved for loans are denied access to credit because of structural limitations

02 / 03

Insufficient capabilities

Not all originators have the underwriting capabilities or the access to capital to sustainably grow their volume

03 / 03

Lack of transparency

Investors don't have access to information to help them evaluate loans across originators

Our principles

  1. Partnerships over promises

    Promises are easy but partnership requires hard work. We commit to collaboration and meeting our partners where they are.

  2. Possibilities over problems

    We face into problems head on, approaching them without preconceived views. Original thinking leads to original outcomes.

  3. Insight over precedent

    We consider our actions and deliver recommendations grounded in truth and rigor. Observing, creating, testing and refining - on repeat.

Meet our people

Katharina

Research

Our team is responsible for model performance and ultimately, the portfolio's performance. I work on risk reporting to monitor performance, as well as models and pipelines for our auto programs. I love working with the humble yet wickedly smart people at Theorem, and learning more about software engineering and finance.

Felipe

Engineering

Our team enables the business through technology, developing integrations with platform partners and empowering researchers to build innovative models. I enjoy how collaborative Theorem is with a team of incredibly talented people who are always willing to share the work they are doing.

Sara

Partnerships

Our team identifies lending partners to work with where we can use our underwriting technology and our long term capital to help them grow their lending business. We work cross-functionally to onboard these partners and develop the partnership to its fullest potential. I enjoy working at Theorem within such an innovative ecosystem of potential partnership opportunities.

Kah-Ram

Recruiting

Our team focuses on finding and attracting top talent, educating candidates on what Theorem does and helping to guide them through the entire recruitment process.

Lydia

Partnerships

My focus is on developing relationships with financial institution partners like community banks and credit unions. With each partner, we develop a program targeted to their needs and risk tolerance. I love working on large, cross-functional projects with regulatory complexities.