Full-Time
Mid-Level Software Engineer
Posted on 8/21/2025
Nova Credit
51-200 employees
Translates international credit data for lenders
Compensation Overview
$167.4k - $204.3k/yr
San Francisco, CA, USA
Remote
 Software Engineering (2) |
|---|
| , |
- 3+ years of relevant experience, ideally in a fast-paced or product-driven environment.
- Proficiency with modern software technologies, with ability to quickly learn and contribute within our tech stack.
- Growth-minded and eager to learn, adapting quickly to new challenges and priorities in a dynamic environment.
- Effective communicator and team player, able to collaborate with technical and non-technical stakeholders.
- Developing and enhancing features for our enterprise-grade APIs, web applications, and dashboards.
- Working on the implementation of new data supplier integrations.
- Improving and deploying features based on existing data models for new attributes and scores.
Nova Credit helps financial institutions assess creditworthiness of newcomers to the U.S. by translating international credit histories into a standardized U.S. credit report called Credit Passport®, enabling these individuals to access credit products such as cards, loans, and device financing. It also offers Cash Atlas™, which uses consumer-permissioned bank transactions to improve risk prediction for thick-file consumers and expand access for thin-file or no-file consumers. The company monetizes by charging institutions for access to its analytics and credit-translation services. Overall goal: enable lenders to expand underwriting capabilities and reach a broader customer base by leveraging international credit data and bank transaction data.
Company Size
51-200
Company Stage
Series D
Total Funding
$149.4M
Headquarters
San Francisco, California
Founded
2016
Simplify's Take
What believers are saying
- Yardi integration cuts verification time 3.5x, announced March 2026.
- $35M Series D from Socium Ventures fuels Cash Atlas expansion in 2026.
- Chase, PayPal, and SoFi deploy Cash Atlas, signaling industry shift.
What critics are saying
- Equifax and Experian integrate cash flow underwriting, commoditizing Cash Atlas by 2027.
- CFPB audits trigger consent orders on FCRA compliance by Q4 2026.
- Yardi and AppFolio build in-house verification, disintermediating Nova Credit in 2027.
What makes Nova Credit unique
- Credit Passport translates international credit data for U.S. newcomers from 20 countries.
- Cash Atlas enables cash flow underwriting using bank transaction data for thin-file consumers.
- Eligibility Compass automates income and asset verification for affordable housing.
Help us improve and share your feedback! Did you find this helpful?
Benefits
Medical, Dental, and Vision are 99% subsidized for Nova Credit employees, and 50% for dependents.
Nova Credit sponsored 401K plan.
On each work anniversary, Nova Credit will reimburse the cost of a roundtrip economy ticket to any destination in the world.
Unlimited vacation policy.
Growth & Insights and Company News
6 month growth
↓ -5%1 year growth
↓ -7%2 year growth
↓ -3%Yardi has integrated Nova Credit's Eligibility Compass into its Yardi Verification Services solution for affordable housing and public housing agencies. The integration streamlines income and asset verification for households seeking affordable housing qualification. The automated platform retrieves verified data through Nova Credit's payroll and banking network, eliminating reliance on paper forms. Previously, verification processes took weeks or months, delaying move-ins and burdening staff with paperwork. The integration now completes verifications within minutes. Early results show a 3.5-times improvement in end-to-end verification completion rates, helping teams process applications faster. The partnership was announced at the Yardi Forum affordable housing training event in Boston on 18 March 2026. Nova Credit supports over 7,000 businesses, including PayPal and HSBC.
Yardi partners with Nova Credit to accelerate verifications. PR Newswire Eligibility Compass integration streamlines verifications and reduces processing time SANTA BARBARA, Calif., March 17, 2026 /PRNewswire/ - Yardi(R) has integrated Nova Credit's Eligibility Compass into its Yardi Verification Services solution for affordable housing and public housing agencies. Yardi Verification Services is an automated platform that retrieves verified income and asset data for households seeking to qualify for affordable housing. By incorporating Nova Credit, Yardi enhances its ability to verify income and assets accurately without relying on paper forms. This improvement is possible through Nova Credit's extensive payroll and banking data network. "Our affordable housing clients work hard to house families quickly while managing strict program requirements and compliance challenges. Integrating Eligibility Compass into our platform gives providers a powerful new way to verify even the most challenging affordable housing certifications," said Chris Voss, vice president at Yardi. Previously, many affordable housing providers spent weeks or even months verifying household income and assets. Manual processes delayed move-ins, increased vacancy days and burdened staff with paperwork. With Nova Credit's Eligibility Compass integration, Yardi Verification Services automates the process and users typically complete it within minutes. Early results from operators using the system show up to a 3.5x improvement in end-to-end verification completion rates, helping teams process applications faster and move families into housing sooner. "Affordable housing providers face a unique challenge: moving quickly while ensuring every certification meets strict program requirements," said Akaash Gupta, head of affordable housing at Nova Credit. "Through our integration with Yardi, we're helping providers automate income and asset verification using bank-transaction backed data, reducing manual review while giving teams greater confidence in the certification process." The partnership will be formally announced at the Yardi Forum, a two-day affordable housing and PHA training event which begins March 18, 2026, in Boston. Yardi clients can call (800) 866-1144 or email [email protected] to schedule a demonstration. Organizations can also visit yardi.com/affordable-housing or novacredit.com/eligibility-compass to learn more. About Nova Credit Nova Credit is a credit infrastructure and analytics company that helps businesses grow by harnessing alternative credit data. Leveraging unique data infrastructure, industry-leading analytics, and FCRA compliance, Nova Credit transforms fragmented consumer financial data into actionable risk insights. Their suite of solutions - including cash flow underwriting, Income verification, income and asset verification, and cross border credit - helps organizations expand user coverage, increase conversion, and make smarter credit decisions. Nova Credit supports over 7,000 businesses, including PayPal, HSBC, SoFi, Scotiabank, and Yardi.
Nova Credit redefines income and asset verification in affordable housing with launch of Eligibility Compass. Nova Credit, a leading credit infrastructure and analytics company, today announced the launch of Eligibility Compass, a comprehensive income and asset verification solution for affordable housing. This purpose-built solution automates the process of collecting applicant financial data, reducing the time it takes to confirm eligibility. This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20251118403797/en/ Prior to today, verifying eligibility for a single household could take weeks of back and forth with the applicant and their banks, employers, and benefit providers. Eligibility Compass transforms this process by providing real-time verification of income, benefits, assets, and more - all in a single applicant experience. "Over the last five years, we've processed millions of income verifications for thousands of property management companies," explained Akaash Gupta, Head of Tenant Screening Partnerships. "We've learned that our users in affordable housing face unique challenges, such as complex applicant profiles, strict compliance requirements, and severe penalties for errors. We built Eligibility Compass to support these partners and their unique needs." Comprehensive Verification Across the Entire Market Eligibility Compass decreases the time from application to approval by consolidating disparate verification processes into a single, intuitive consumer experience. The solution's components reflect the unique requirements of affordable housing: * Bank connections allow for instant, paperless verification of current and historical assets, while identifying potentially relevant sources of income Discover more NYSE market data AI investment books FTSE index tracking Financial market insights International market overview Healthcare finance analysis Consumer staples reports Treasury bond information International market reports Stock index tracking * Payroll connections verify retirement income, government benefits, gig work, and more, in addition to traditional wage earnings * Flexible document upload accommodates any additional verification needs - e.g., award or distribution letters - ensuring no applicant is left behind * Automated cross-referencing between all data sources identifies discrepancies which could impact eligibility, like unreported income or assets As a Consumer Reporting Agency with nine years of compliance expertise, Nova Credit brings proven policies and procedures to the affordable housing sector, ensuring that increased efficiency doesn't compromise regulatory compliance. Omissions, whether intentional or not, are difficult to spot when reviewing stacks of documents. Compliance managers, leasing staff, and case workers are forced to play detective, hunting for unreported income and assets that could impact eligibility. This detective work comes on top of their actual mission: getting qualified families into homes. Eligibility Compass incorporates advanced fraud detection capabilities that analyze source documentation and catch imported income omissions. By combining multiple data sources with sophisticated analytics, the solution provides housing providers with confidence in the accuracy of applicant information while maintaining a seamless applicant experience. "Housing providers shouldn't have to choose between thorough verification and operational efficiency," added Gupta. "With Eligibility Compass, we've engineered a solution that delivers both, proving once again that consumer-permissioned data can improve housing access while strengthening risk management." Already using an income and asset verification solution?
Nova Credit, a leading credit infrastructure and analytics company, has raised $35 million in a Series D funding round led by Socium Ventures, a VC firm backed by Cox Enterprises. The Series D round included participation from a high-profile group of existing investors, including Canapi Ventures, Kleiner Perkins, General Catalyst, Index Ventures, Y Combinator, NAVentures (the corporate venture capital arm of National Bank of Canada), Harmonic Growth Partners, Radiate Capital, and Gaingels.
Nova Credit, a leading credit infrastructure and analytics company, today announced it raised $35 million in Series D funding led by Socium Ventures, a ventu...