Theorem is a company at the intersection of technology and finance. We are a small team of with a diversity of ideas and backgrounds applying machine learning, software engineering and rigorous scientific investigation to revamp the lending and securitization space. Every member of the team has a major impact on the company's success, and gets to see their contributions working in the real world. Building good financial forecasting models is extremely challenging from both a technology and research point of view.We were founded by a Google software engineer and a Morgan Stanley quant trader. We are a Y Combinator graduate and our backers include Max Levchin, Two Sigma and major VCs. We are based in SoMA, close to Caltrain and BART. We deeply value intellectual curiosity, creative idea generation, and close collaboration.