Pursuing truth in credit
Empowering originators. Managing risk for investors. Creating possibilities for borrowers.
What we do
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
Borrowers who could be approved for loans are denied access to credit because of structural limitations
Not all originators have the underwriting capabilities or the access to capital to sustainably grow their volume
Lack of transparency
Investors don't have access to information to help them evaluate loans across originators
Partnerships over promises
Promises are easy but partnership requires hard work. We commit to collaboration and meeting our partners where they are.
Possibilities over problems
We face into problems head on, approaching them without preconceived views. Original thinking leads to original outcomes.
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
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.
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.
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.
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.