In the world of credit, the truth is hard to find, hidden behind inefficiencies that have unintentionally deterred and obscured it. Theorem is here to change that. We are a profitable startup backed by both Y Combinator and Two Sigma Ventures, bringing the industry the innovation it craves and opening up access to fairer credit for all. Our team uses machine learning and data science to provide our partners a standardized lens into risk, identifying the best, safest loans in the $100 billion marketplace lending space. We use these insights to manage a $2B+ portfolio of whole loans and ABS aiming to deliver investors attractive and stable risk-adjusted returns across the business cycle. We have a presence in the Bay Area, NYC, and remote, and are hiring strategically, with active roles on www.theoremlp.com/careers/