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November 8th 2023

Nova Credit Appoints Financial Industry Veteran as Chief Customer Officer Alongside Leadership Promotions to Accelerate Cash Flow Underwriting

Momentum signals enhanced C-suite as fintech doubles-down on cash flow underwriting and verification solutions ahead of open banking adoption in the U.S.

NEW YORK--November 8, 2023-- Nova Credit, the data analytics company enabling businesses to grow responsibly by harnessing alternative credit data, today announced the appointment of Nicole Newlin, veteran finance and customer expert, as Chief Customer Officer supporting Nova Credit’s significant and growing client roster. The company also promoted Collin Galster to Chief Operations Officer, Yacine Azmi to Chief Technology Officer, and Chris Hansen to General Manager, Cash Atlas™ Solutions. This news comes shortly after the announcement of Nova Credit’s Series C financing which is enabling the fast-growing fintech to broaden its product offerings and provide end-to-end infrastructure and analytics for lenders to better leverage alternative credit data.

“Following the CFPB’s proposed ruling last month, open banking is top of mind to our clients and the lending industry at large. As a result, lenders will continue to seek-out partners that can guide them through this data analytics and regulatory transition,” said Nova Credit Co-founder and CEO, Misha Esipov. “As Nova Credit leads the way as a strategic partner to many of the leading lenders in the U.S. and around the world, it is critical for us to grow our team with exceptional leadership who understand complex customer pain-points and transforms them into solutions.”

As Chief Customer Officer, Newlin will oversee Nova Credit’s partners to ensure they achieve responsible growth amidst the changing regulatory landscape. Nova Credit’s cash flow underwriting, cross-border credit, and verification solutions are CRA compliant and have been perfected over seven years, ahead of the current market demand. Newlin brings a wealth of experience in the consumer banking and fintech space, having built and led consumer success teams at Ocrolus, Plaid, Quovo, and Wells Fargo. She served on the NYC Fintech Women's Leadership Board and is currently a member of the board of trustees for Big Brothers Big Sisters of NYC.

“I have always sought out opportunities to work with fast-growing companies at the forefront of industry change,” said Newlin. “As proven by its recent momentum, Nova Credit is leading the charge for a monumental shift in the way we use and analyze data in the lending industry, and I could not be more excited to be a part of this winning team.”

In addition to the appointment of Newlin, Nova Credit has announced the promotions of:

  • Collin Galster, COO – A member of the founding team, Galster previously served as Nova Credit’s VP of International, driving global expansion which recently has included Canada, the UAE, and the U.K. As COO, he will continue to grow Nova Credit’s reach, not just globally, but in terms of partners and product offerings.

  • Yacine Azmi, CTO – Azmi previously served as Nova Credit’s VP of Engineering where he worked on developing Nova Credit’s cash flow analytics and verification solutions. In his new role as CTO, he will continue to oversee product development and innovation as the company continues to expand its product suite across the underwriting space.

  • Chris Hansen, GM, Cash Atlas™ Solutions – Hansen has driven the early adoption of Nova Credit’s Cash Atlas™ as Head of Channels and Alliances, overseeing partnerships across the income verification and cash flow underwriting products, and will continue this mission as General Manager of Cash Atlas™ Solutions. Having co-founded payroll aggregator Argyle, Chris has been solving complex data infrastructure challenges in the fintech space for more than seven years.

“Collin, Chris, and Yacine have all played integral roles in building Nova’s differentiated solutions, and Nicole brings deep knowledge on how to deploy and grow these solutions across the industry,” said Esipov. “I couldn’t be more excited by the incredible team we have assembled to continue to innovate in an industry very much in need of change.” Cash Atlas™ provides lenders with greater insight into the cash flows of any applicant, including industry-leading underwriting attributes and verification of income with greater precision and coverage than alternatives. To learn more about the impact of open banking regulation and the power of cash flow underwriting, tune in to Nova Credit’s webinar ‘Cash Flow is Here’ with Fintech Nexus on November 15, 2023. If you are interested in learning about career opportunities at Nova Credit, visit our careers page.


Nova Credit is a data analytics company that enables businesses to grow responsibly by harnessing alternative credit data. The company leverages its unique set of data sources, bank-grade infrastructure and compliance framework, and proprietary credit expertise to help lenders fill the gaps that exist in traditional credit analytics. Nova Credit serves as the bridge between data and credit excellence, providing a comprehensive suite of solutions designed to give lenders a competitive edge in the open finance era. Its cross-border credit solution, Credit Passport®, and cash flow underwriting and verification solution, Cash Atlas™, are used by leading organizations like American Express, Verizon, HSBC, SoFi, Scotiabank, and Yardi. Nova Credit is backed by investors including Canapi Ventures, Kleiner Perkins, General Catalyst, and Index Ventures as well as executives from Goldman Sachs, JP Morgan, and Citi. Learn more at www.novacredit.com or reach out to connect@novacredit.com.

Announcing the Cash Flow Underwriting Summit: a first-of-its-kind executive summit dedicated to exploring and advancing the practice of cash flow underwriting in consumer lending.