Nova Credit

We are a credit infrastructure and analytics company. We help businesses grow by using alternative credit data. We operate under the Fair Credit Reporting Act (FCRA) in the U.S. as a Consumer Reporting Agency (CRA). We use our data and knowledge to improve credit analytics where traditional methods fall short.

Our platform converts consumer financial data into compliant, actionable risk insights, making processes faster and more reliable.

We work with organizations like HSBC, RBC, SoFi, Scotiabank, Appfolio, and Yardi. Our platform combines data from international credit bureaus, bank data aggregators, payroll systems, and automated document data.

Our products include:

• Cash Atlas™: Improves credit risk assessment with bank transaction data for about 150 million U.S. consumers.
• Income Navigator: Automates income verification, used by over 4,000 customers, including property management software and lenders.
• Credit Passport®: Helps people who have moved to the U.S., UK, Canada, UAE, or Singapore get credit by using their history from 16 different countries.
• Eligibility Compass: Speeds up income and asset verification.
• Nova Credit Platform: Helps scale consumer credit data onboarding and underwriting.

We use 26 data sources, including traditional credit bureaus, bank data aggregators, and payroll systems. We serve over 7,000 customers worldwide and have helped consumers unlock more than $10 billion in credit. Businesses can implement our solutions, such as cash flow underwriting or international credit data, 9–12 months faster than building them in-house. We focus on lending, property management, and financial services businesses.

Our mission is to create a more fair and inclusive global financial system. We do this by improving credit infrastructure and analytics with richer credit data. We want to connect consumer-permissioned data to help millions of people worldwide get access to financial services. We believe everyone deserves access to finance to succeed.

Our values are:

• Build Bridges: We build strong relationships with colleagues and partners.
• Challenge Without Ego: We value intellectual honesty and humility.
• Chug Like a Train: We favor action and moving quickly.
• Make it Your Mission: We focus on pursuing opportunities that help us achieve our mission.

Nova Credit was founded in 2016 and has 51-200 employees. Our culture supports individual and group contributions. We use bi-weekly “Nova Credits” for shoutouts and have a #thanks channel on Slack. Our employees, known as Novans, are a diverse community spread across more than 15 U.S. states, 5 countries, and 4 continents.

As of January 2024 (self-reported data):

• 20% of our U.S. employees identify as Under Represented Minority.
• 46% are women or non-binary.
• 25% are parents or caregivers.
• 30% are first-generation immigrants.

Our headquarters are in New York City, and we have offices in San Francisco, London, and Toronto.

For our U.S. employees, our benefits package includes:

• Comprehensive and subsidized medical, dental, and vision insurance.
• A company-sponsored 401k plan.
• Telehealth services.
• Mental health support through Spring Health and Headspace+ (including free therapy sessions).
• 16-week parental leave.
• Fertility and family planning support.
• Child and teen behavioral health support.
• One Medical membership.

Additional perks for all employees:

• A “Fly Anywhere” benefit, which subsidizes one round-trip flight globally on each work anniversary.
• Flexible time off policy.
• A professional development budget with access to Udemy Business.
• A monthly contribution towards cell phone and internet bills.