Leadership Team

Xia Lin
Founder & CEO

  • 25+ years of unsecured consumer credit lending experience covering both prime and non-prime segments.

  • 3-year open-banking Fintech credit lending experience.

  • Proven track record of building up full-suite risk teams across credit policy, underwriting, account management, and collection strategies.

  • Proven track record of credit risk control at TomoCredit, Wells Fargo, HSBC, and Bank of the West.

Leon Hu
Chief Technology Officer

  • 20+ years of software development experience

  • Cloud application architect for multi-tenant SaaS and social networking platforms

  • Proven track record of building and leading engineering teams at multiple successful startups, including Viaquo and Responsys

Julie McDermott
Chief Revenue Officer

  • 12+ years of investment experience on Wall Street, including roles at Bank of America, Merrill Lynch, and Citi.

  • Portfolio of 20+ seed-stage investments with multiple exits

  • Recognized by Business Insider as Top 100 early-stage investors 2023 and Top 40 female investors 2024

Melanie Tai
Chief Data Officer

  • 20+ years of financial industry, specializing in data processing for credit risk, business credit and credit card data.

  • Led the design and implementation of robust, high-integrity data pipelines and demonstrated a proven ability to translate complex risk strategies into effective engineering solutions.

  • Advanced knowledge and hands-on experience leveraging DDA (Deposit Data Account) platforms, including Plaid and Finicity, to inform data strategy and risk mitigation.

Eachan Lee
SVP of Operations

  • 20+ years in mortgage production, focused primary underwriting. Primarily with JP Morgan Chase and Fremont Bank.

  • Built and lead multiple teams from the ground up, managing and trouble-shooting the origination process from initial disclosures to secondary marketing.

Our story

Founded in 2024, FinQuantum was born out of a simple idea: that mortgage professionals deserve a better platform to manage their pre-approval process and a faster way to handle document review.

Tired of navigating between multiple systems which primarily focus on loan submission and loan closing, our team set out to build something different - a single, secure, AI-powered cloud platform that reimagines the pre-approval process from the ground up.

Our mission

Our mission is to empower mortgage professionals to streamline their documents handling and loan decisioning processes — enabling faster decisions with greater transparency and confidence.

We also believe that AI and automation will greatly redefine borrower relationships.  The access to the data source, the speed at which data moves, and the ability to communicate the meaning of that data will have an enormous impact on it.

Our vision

Our team is a unique blend of mortgage industry veterans and forward-thinking technologists. We bring decades of real-world experience alongside deep expertise in AI, automation, and software development. We understand the complexities brokers, loan officers, underwriters and processors face every day—and we’ve built a solution that tackles those challenges head-on.

FAQ

  • No. When we call an open AI, your client data will be processed in-memory and is not stored, retained, or written to any persistent storage, logs, or backups.

  • No.

  • No.

  • For now, it is only for conventional loans. In the future, we will incorporate FHA, VA, jumbo loans, non-QM loans, and other niche programs.

  • Yes! Everyone starts with a 30-day free trial.

  • Absolutely. We offer monthly billing with no long-term contracts.

    Fees are not prorated after the trial period.