Our team includes engineers, coders, financiers, academics, designers, students, and
dreamers. We understand the impact of financial inclusion – we’ve lived it.
Our customers are those who lack a long credit history in North America -- 100M young
people and immigrants. Our technology helps them avoid spiraling debt and interest
We use science to assess risk
Our AI model incorporates traditional and alternative underwriting data and granular
academic data to provide a forward-looking and accurate credit assessment.
students and recent graduates, we leverage educational data to provide dramatically
better rates, and reinforce the relationship between academic and financial
We will replace FICO.
Committed to Diversity
Today’s workforce is increasingly diverse, and we love it. We are building our company in
Toronto because it reflects our city’s motto, “diversity is our strength.” One of the
most multi-cultural cities in the world, Toronto is also home to a thriving AI community
and deep pools of talent.
We are passionate about making education and financial systems work for everyone,
regardless of race, gender, orientation, class, or origin. Join us.