Underwrite Anyone
Nova Credit opens pathways to financial opportunity for millions of people otherwise misunderstood by the traditional credit system. By aggregating global credit bureau, bank transaction data, payroll data and more, we help lenders and businesses see borrowers in a new light, unlocking access to the financial system for millions of new people.
About Us
We’ve stitched together unique data sources and built comprehensive analytics so that businesses can grow responsibly and so that consumers can get fairer access to credit. We’re on a mission to bridge the universe of consumer-permissioned data to enable a more fair and inclusive financial system for millions of consumers around the world.
We founded Nova Credit in 2016 to build a better credit system, starting with serving one of the most misunderstood populations: newcomers to America. We built the Credit Passport®, the world's first and only cross-border credit reporting system, enabling newcomers to use their international credit history when applying for U.S. financial services. Today, leading institutions like Chase, HSBC, and Scotiabank use the Credit Passport to serve newcomers from around the world.
We then broadened our offering into the Nova Platform, combining new data sources in services of new consumer segments. Through Cash Atlas™, our cash flow underwriting platform, lenders gain real-time visibility into consumers' financial health through bank transaction data. With Income Navigator™, we've automated income and employment verification, reducing friction while improving accuracy. And through Eligibility Compass™, we're bringing the same data-driven approach to affordable housing access.
Our Mission
We’re on a mission to bridge the universe of consumer-permissioned data to enable a more fair and inclusive financial system for millions of consumers around the world. Today, our small and mighty team enables millions of people (yes, millions!) to access credit who would otherwise be locked out of the credit system. 💪
Our Team
Leadership
Chris Hansen
Head of Strategic Partnerships & New Business
Collin Galster
COO
Mei Lui
Head of Product
Misha Esipov
Board Member & Founder and CEO, Nova Credit
Nathan Pike
Finance & Strategy
Hale Ahangi
Director, People & Talent
Ryan Nier
GC, Chief Compliance Officer, and Head of People
Yacine Azmi
CTO
Akaash Gupta
Head of Tenant Screening Solutions
Board Members & Board Observers
Misha Esipov
Board Member & Founder and CEO, Nova Credit
Nichole Mustard
Board Member & Co-founder and Fmr. Chief Revenue Officer, Credit Karma
Eugene Ludwig
Board Member & Managing Partner, Canapi Ventures, Fmr. Comptroller of the Currency
Ilya Fushman
Board Observer & General Partner, Kleiner Perkins
Hemant Taneja
Board Observer & CEO, Managing Director, General Catalyst
We’re Backed By some of the most notable names in the industry
Nova Credit 101
Here are the quick details on who we are, what we’re building, and why.
Our mission is to power a more fair and inclusive financial system for the world. Every year, millions of creditworthy individuals are denied access to financing because lenders can’t access the right data to assess the individual's financial responsibility. We are on our way to accomplishing this mission by rewiring the financial industry with better credit infrastructure, analytics, and workflows, helping more people get access to credit opportunities.
Our cross-border credit product, Credit Passport®, cash flow underwriting product, Cash Atlas™, and income verification product, Income Navigator, are trusted by leading organizations like HSBC, SoFi, Scotiabank, and Yardi to help them reach valuable new applicants from traditionally credit excluded populations
Our reach is always growing.
With our Credit Passport® solution, we serve consumers who have moved to the United States, United Kingdom, Canada, United Arab Emirates, or Singapore, and have a credit history in Australia, Austria, Brazil, Canada, Dominican Republic, Germany India, Kenya, Mexico, Nigeria, Philippines, South Korea, Spain, Switzerland, Ukraine, the US (for newcomers in non-US regions) or the UK.
Our Cash Atlas™ solution serves the 150 million U.S. consumers who are credit-eligible and want to receive a more accurate, up-to-date picture of their credit history. Traditional credit bureau reporting can lag ~2-3 months behind and doesn't always show a complete picture for credit applicants. Our leading cash-flow underwriting solution helps expand credit opportunities without increasing risk for lenders.
Our income verification tool, Income Navigator helps companies automate verification of income, significantly improving coverage, conversion, and user experience. Our income verification solution is already trusted by more than 4,000 customers, including property management software, like Yardi, and lenders, like SoFi.
We work with credit card companies, lenders, and other credit product providers to extend their reach to underserved individuals worldwide. Key partners include HSBC and Scotiabank for credit cards; MPOWER, Prodigy Finance, and Earnest for student loans; and Yardi, Appfolio, Saferent, and First Advantage for tenant screening. Members of the UNFCU also use Nova Credit to apply for credit cards and personal loans.
Novans are a diverse community of individuals living and breathing our company values across 15+ states, 5 countries, and 4 continents. We’ve built a community in which all employees, regardless of their identity, experience, or background, feel at home and have access to the resources they need to succeed.
20% Under Represented Minority* 46% Women or non-binary 25% Parents or caregiver 30% First-generation immigrant
URM = Under-Represented Minorities. This includes individuals who self-identify as Black, Latinx, Native American, Native Hawaiian and Other Pacific Islander, Southeast Asian, and Multiracial employees (with at least one race/ethnicity falling into one of these groups).
Data is self-reported and accurate as of January 2024.
