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.

Our 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. Experience spans credit policy, underwriting, fraud, account 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.

  • Ex-Wells Fargo, Ex-HSBC, Ex-Bank of West, Ex-TomoCredit. 

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.

  • Ex-Direct Mortgage Funding, Ex-Fremont Bank, Ex-JP Morgan Chase, Ex-Indymac Bank

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.

  • Ex-Wells Fargo, Ex-Oracle, Ex-TomoCredit

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.

  • Ex-Lyft

Jia Liu
Head of AI

  • AI Engineering: drove core ML data platform initiatives as a Staff Engineer at Snorkel AI and led a research engineering team at Facebook AI Research (FAIR) contributing to embodied AI and RL research.

  • 20+ Years of Full-Stack Architecture & Scale: Proven track record spanning Meta, Oculus VR, high-growth startups, and robotics—architecting high-throughput data platforms, optimizing large-scale production ML inference pipelines, building media/graphics engines, and scaling distributed backend systems.

  • Ex-Meta, Ex-Oculus, Ex-Snorkel AI, Ex-Science

Erik Beans
Chief Technology Officer

  • 25+ years of experience at large engineering organizations.  Brings deep technical and product growth experience from 20 years at Google, combining core software engineering expertise with strategic product management.

  • Engineering leader with proven experience in Cloud AI, Product Development, Security and Identity.

  • Ex-Google, Ex-C3 AI, Ex-Sun Microsystems 

Our advisor

Geoff Jenkins

With over 25 years of consumer and small business credit leadership, Geoff Jenkins has managed risk for businesses ranging from startup fintech lenders through to established banking & enterprise portfolios measured in hundreds of billions of dollars.

Geoff brings extensive knowledge of the consumer and small business arena beyond credit risk, including integration of AI into business strategy, innovative technology, product & marketing optimization, as well as experience helping lead lenders as their portfolios grow, though the use of dynamic risk management as a competitive and customer advantage.

As the head of consumer & small business credit at Wells Fargo, Geoff was responsible for credit risk across a team of over a thousand professionals and a portfolio in excess of $400 Billion.

Since 2022, Geoff has acted as a senior advisor to multiple fintech lenders, technology providers and fintech banks across a range of assets and business stages. Geoff has advised sponsor bank boards on Fintech partnerships and economic selections, helped lead industry-level technology & data strategies and guided non-traditional lenders through complex transactional and counterparty credit structures.