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.

Leadership Team

Xia Lin
Founder & CEO

  • 25+ years of credit risk management and consumer lending experience across prime and non-prime portfolios at leading financial institutions.

  • Former Chief Credit Officer at TomoCredit and Vice President of Consumer Lending Risk Management at Wells Fargo, with leadership experience spanning credit policy, underwriting, portfolio management, and collections.

  • Proven track record of building high-performing risk organizations and developing end-to-end risk strategies that drive portfolio growth and performance.

  • Holds Bachelor’s and Master’s degrees from Peking University and University of Alaska Fairbanks, combining deep expertise in quantitative economics, system engineering, and risk management.

Eachan Lee
Chief Operations Officer

  • 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.

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.

Scott McMullin
VP of Finance

  • 15+ years of finance leadership experience at high-growth tech companies, from pre-seed startups through NYSE IPO, spanning SaaS, Clean Tech, and Cybersecurity.

  • Proven track record building FP&A functions and financial infrastructure at scale, including FP&A business partner coverage of $15B in annual bookings and $4.4B in expenses at Lyft.

  • Deep expertise in early-stage fundraising, financial modeling, and strategic planning; led Seed and Series A fundraising strategy across multiple startups.

Lawrence Guzzetta
VP of Product Management

  • 20+ years of product leadership experience across fintech, mortgage technology, SaaS, and digital customer experience.

  • Deep experience in product strategy, workflow design, and user experience for complex operational and customer-facing platforms.

  • Proven track record of delivering products and solutions for both startups and major financial institutions, including HSBC, Wells Fargo, and CIT.

Jia Liu
Head of AI

  • 26 years AI/ML experience.

  • Ex-Meta AI, Ex-Snorkel AI.

  • Expert in document AI and agentic systems for financial applications.