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Nova Credit

Translates international credit data for lenders

Information Security Lead

Full-Time
$118.4k - $140.6k/yr
Mid, Senior
New York, NY, USA
HybridThree days per week in the New York City Metropolitan area, on Mondays, Tuesdays, and Thursdays.
CybersecuritySecurity Engineering & Architecture, Security Governance, Risk & Compliance

About the job

Requirements
  • Have 3–6+ years of experience across information security, security engineering, cloud security, or technical GRC roles.
  • Be comfortable configuring and operating modern security tooling such as EDR, MDM, SSO/IAM, DLP, and cloud security tooling.
  • Have working knowledge of AWS security, IAM, networking, KMS, logging, and common misconfiguration risks; be able to reason about real architecture and identify risks.
  • Have a solid grasp of networking, identity, cryptography, secure software development lifecycle, and web application security.
  • Be able to explain technical risks to engineering team members, write policies, and productively disagree with engineering leads.
Responsibilities
  • Develop a working understanding of Nova Credit’s products, AWS-based infrastructure, and security-relevant data flows.
  • Familiarize yourself with control sets, frameworks, policies, and existing customer-facing security commitments.
  • Learn and operate the security tooling stack, including endpoint detection and response, mobile device management, single sign-on and identity and access management, data loss prevention, and cloud security posture management.
  • Shadow customer security questionnaires and due diligence reviews, learning their cadence, source-of-truth artifacts, and standard responses.
  • Handle hands-on work such as endpoint hardening, mobile device management tuning, identity and access management cleanup, and evidence collection.
  • Own customer security questionnaires and due diligence reviews end-to-end, from intake and evidence collection through responses and follow-up calls.
  • Configure, tune, and operate security tooling across the stack, including Google Workspace settings.
  • Triage and respond to security alerts, bug bounty reports, and internal escalations, and document repeatable response runbooks.
  • Contribute to third-party risk reviews of new vendors and re-reviews of existing critical suppliers.
  • Identify and propose fixes for process gaps or control weaknesses.
  • Own an agreed-on area of the security program end-to-end, with clear, measurable outcomes.
  • Drive at least one significant security hardening or modernization initiative.
  • Serve as an internal expert for technical security questions from Engineering, Product, and Data Science.
  • Partner with the Director of Information Security on roadmap, prioritization, and scaling the Information Security program.
  • Meet stakeholders across the company.
Desired Qualifications
  • Experience in a high-growth fintech, financial services, or regulated SaaS environment.
  • Knowledge of Jamf, SentinelOne, or Okta.
  • Direct experience with SOC 2 Type II and ISO 27001.

About the company

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Nova Credit

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cbWebsite

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

New York City, New York

Founded

2016

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Simplify Jobs

Simplify's Take

What believers are saying

  • Block named Nova Credit its distribution partner on September 1, 2026.
  • Cox Automotive's Dealertrack integration launched September 3, 2026 with Westlake adoption.
  • Yardi reported 3.5x faster verification completion after Nova Credit integration.

What critics are saying

  • Banks and lenders can replace Nova Credit quickly if cash-flow APIs commoditize.
  • Consumer Reporting Agency obligations expose Nova Credit to CFPB enforcement and class actions.
  • If Block or Cox pause rollout, Nova Credit loses marquee distribution and credibility.

What makes Nova Credit unique

  • Nova Credit owns FCRA-compliant cash flow infrastructure, not just raw alternative data.
  • Block, Cox Automotive, and Sallie Mae embedded its products in 2026.
  • Eligibility Compass and Income Navigator target housing, auto, and student lending workflows.

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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

Headcount

6 month growth

0%

1 year growth

-3%

2 year growth

-2%
Demivolt
Oct 6th, 2026
Experian launches fcra-regulated cash flow bureau to compete with Plaid.

Experian launches fcra-regulated cash flow bureau to compete with Plaid. Published 20 hours ago The credit bureau giant is launching a new consumer reporting agency that uses permissioned banking data to help lenders assess borrowers, bringing it into direct competition with Plaid and other open banking providers. New bureau targets credit-invisible consumers. Credit bureau giant Experian has launched the Cashflow Data Bureau, a new Fair Credit Reporting Act-regulated consumer reporting agency designed to help lenders use permissioned banking data in underwriting decisions. The agency aims to serve nearly one-in-five consumers who lack credit access or have damaged credit histories. According to Experian research, 60% of consumers denied credit or offered unfavorable terms believe outcomes would have differed if lenders had considered their recent income and banking activity alongside traditional credit data. The new bureau operates under FCRA regulations, creating a compliance framework for consumer-permissioned bank account aggregation and standardised reporting that financial institutions can integrate into existing decisioning workflows. Building a cash flow ecosystem. The Cashflow Data Bureau will anchor Experian's broader cash flow decisioning ecosystem, integrating existing products like Cashflow Attributes and Cashflow Score with new capabilities for consumer consent management, data aggregation, and analytics. Demivolt has spent decades building the trusted data, analytics, technology, and expertise financial institutions depend on every day, Experian North America CEO Jeff Softley said. > With Experian Cashflow Data Bureau, Demivolt is applying that experience to cash flow and making it easier for its clients to adopt these insights with confidence and at scale. The launch essentially creates a bureau-like framework for cash flow data, enabling lenders to incorporate consumer-permissioned banking activity into underwriting alongside traditional credit bureau information. Experian's analysis indicates the approach can help lenders increase approvals by up to 25% without adjusting risk tolerance. Why cash flow underwriting matters. Cash flow underwriting has gained traction among lenders because it provides insight into applicants' day-to-day financial behaviour rather than a single point-in-time snapshot from traditional credit reports. By examining recurring income, spending patterns, and account balances through consumer-permissioned banking data, lenders can assess borrowers who might be creditworthy but appear risky through conventional credit scoring alone. The approach is particularly valuable for consumers with thin credit files, recent credit setbacks, or irregular income patterns that don't reflect their actual ability to repay. Competitive landscape shifts. The launch positions Experian in direct competition with open banking providers like Plaid, which has expanded beyond account connectivity into FCRA-compliant consumer reports, cash flow analytics, and underwriting scores through its Plaid Check subsidiary. The competitive dynamic is complicated by the fact that Experian also partners with Plaid to access consumer-permissioned cash flow data, making the companies both collaborators and rivals in the same market. Other players in the cash flow underwriting space include Prism Data, Mastercard's Finicity division, and Nova Credit, all vying for position as lenders increasingly adopt banking data alongside traditional credit information in decisioning. Original coverage by finovate. Use the button below to read the article on the publisher website. Related to this article

Finopotamus
Sep 3rd, 2026
Cox Automotive partners with Nova Credit to embed Cash Flow Intelligence into Dealertrack.

Cox Automotive partners with Nova Credit to embed Cash Flow Intelligence into Dealertrack. * 5 hours ago Preferred partner integration advances cash flow intelligence into auto lending, starting with native embed of Income Navigator into Dealertrack, giving auto lenders near real-time cash flow intelligence to speed up time to funding, reduce manual workflows, reduce fraud risk, and responsibly boost approvals. ATLANTA and NEW YORK, Sept. 3, 2026 - Cox Automotive and Nova Credit, a leading credit infrastructure and analytics company, today announced a partnership to advance cash flow intelligence in auto lending, starting with the native integration of Nova Credit's Income Navigator(TM) into Dealertrack, the auto industry's leading credit application and digital contracting network. The integration enables auto lenders to return more personalized offers and automate income verification at the point of sale. The current state of the U.S. auto market is highly competitive. New-vehicle sales are on pace to finish 2026 near 15.7 million, down from the first half of last year (Cox Automotive Mid-Year Review, June 2026), leaving lenders and dealers competing harder than ever for a shrinking pool of qualified buyers. Cox Automotive has named Nova Credit its preferred partner for embedded cash flow intelligence. Cash flow intelligence is the practice of turning bank transaction data into continuous, timely insight about a consumer's financial health, and applying that insight across the entire credit lifecycle. Nova Credit's Income Navigator leverages bank, payroll, and document data to verify income and clear income stipulations directly within Dealertrack, replacing manual pay-stub collection, and resulting in reduced manual reviews and faster time to decision. Key benefits of Income Navigator in auto finance include: * Faster funding that wins deals: Automated income verification clears stipulations at the point of sale, so deals move to funding faster instead of stalling on manual document collection. * Fraud prevention at the source: Direct bank and payroll-sourced data replace easily altered PDF pay stubs * Automated manual work: Underwriting teams no longer comb through pay stubs to calculate net-to-gross income; Nova Credit automates the calculation and returns a single output. "Bringing Nova Credit's Cash Flow Intelligence into Dealertrack gives lenders and dealers a near-time, automated way to verify income and reduce fraud inside the workflows they already use," said Andy Mayers, Lender Solutions Strategist at Cox Automotive. "This partnership offering is part of our broader strategy to drive efficiency and reduce risk for dealers and lenders. We see this Nova Credit integration as an important piece of the puzzle of moving to a fully automated origination process." "Buying a car is one of the most important credit decisions in a consumer's life, and getting that right quickly requires a complete picture of their financial health," said Chris Hansen, Head of Strategic Partnerships at Nova Credit. "With Cash Flow Intelligence embedded in Dealertrack, we're helping lenders and dealers verify income in near real time and get to funding faster." Income Navigator is available for adoption in Dealertrack, with Westlake Financial among the first lenders to adopt. "Our edge has always been better data, better technology, and more flexible risk models," said Chris Urban, Executive Vice President of Risk and Underwriting at Westlake Financial. "We grow by approving good borrowers that others miss and understanding the true risk level across all aspects of an application. Income Navigator gives us another tool to help us verify the ability to pay and streamline our verification and funding process without slowing down the dealer or compromising our standards." Income Navigator supports the processing of millions of applications annually and is used by leading lenders and property managers to support income verification and reductions in manual review. Nova Credit operates as a Consumer Reporting Agency with nearly a decade of FCRA-compliance expertise, bringing proven policies, procedures, and adverse action support to every deployment. Income Navigator is the first application to come out of the partnership. Building on it, Cox Automotive and Nova Credit are discussing extending cash flow intelligence further across the credit lifecycle, including a planned integration with Nova Credit's cash flow underwriting solution, Cash Atlas(R), which can help lenders price to each buyer's true ability to pay and responsibly approve more near-prime, subprime, and thin-file applicants at the same level of risk. Nova Credit's Cash Atlas(R) addresses decisioning. It analyzes bank transaction data to deliver FCRA-compliant cash flow attributes, including residual income, cash volatility, and account stability, giving lenders a near real-time view of each buyer's financial health so they can price to each buyer's true ability to pay rather than to the credit band. About Nova Credit Nova Credit is the industry's leading cash flow intelligence platform, enabling businesses to unlock the power of cash flow data in how they operate. The company leverages its industry-leading data infrastructure, intelligence layer, and FCRA-compliance to boost underwriting approvals, fight fraud, drive responsible growth, and more. Nova Credit supports over 7,000 businesses including organizations such as Westlake, HSBC, SoFi, Appfolio, and Yardi, with a growing suite of products. Learn more at www.novacredit.com. About Cox Automotive Cox Automotive is the world's largest automotive services and technology provider. Fueled by the largest breadth of first- and third-party data fed by 2.3 billion online interactions a year, Cox Automotive tailors leading solutions for car shoppers, auto manufacturers, dealers, lenders and fleets. The company has 29,000+ employees on four continents and a portfolio of industry-leading brands that include Autotrader(R), Kelley Blue Book(R), Manheim(R), vAuto(R), Dealertrack(R), NextGear Capital(TM), CentralDispatch(R) and Cox Fleet(R). Cox Automotive is a subsidiary of Cox Enterprises Inc., a privately owned, Atlanta-based company with $23 billion in annual revenue. Visit coxautoinc.com or connect via @CoxAutomotive on X, CoxAutoInc on Facebook or Cox-Automotive-Inc on LinkedIn. Forward-Looking Statements and Relationship Disclosure This press release contains forward-looking statements regarding the planned software integration between Dealertrack and Nova Credit, including anticipated launch timelines, product features, and operational benefits. These statements are based on current management expectations and are subject to risks, technical complexities, and market uncertainties that could cause actual results or deployment schedules to differ materially. Cox Automotive holds an indirect financial interest in Nova Credit through its investment fund, Socium Ventures. This announcement is intended solely for informational purposes and does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or investment product. All product names, logos, and brands are property of their respective owners.

PR Newswire
Sep 3rd, 2026
Cox Automotive partners with Nova Credit to embed cash flow intelligence into Dealertrack

Cox Automotive has partnered with Nova Credit to integrate cash flow intelligence into Dealertrack, its credit application and digital contracting network. The integration features Nova Credit's Income Navigator, which automates income verification at the point of sale using bank, payroll, and document data. The tool aims to reduce manual reviews, prevent fraud, and accelerate funding decisions. Westlake Financial is among the first lenders adopting the system. With US new-vehicle sales projected to reach 15.7 million in 2026, down from the previous year, lenders and dealers face increased competition for qualified buyers. The partnership responds to this pressure by streamlining verification processes. Cox Automotive and Nova Credit are exploring further applications, including Cash Atlas, a cash flow underwriting solution designed to help lenders assess borrowers' ability to pay more accurately.

Crypto Reporter
Sep 1st, 2026
Block will open its Cash App Score to lenders with Nova Credit's Cash Flow Intelligence Platform as partner.

Block will open its Cash App Score to lenders with Nova Credit's Cash Flow Intelligence Platform as partner. Cash App Score, the real-time credit signal at the center of how Block manages its consumer lending portfolio, will be distributed to lenders through Nova Credit's Cash Flow Intelligence Platform, expanding responsible credit access without requiring consumers to link accounts or share new credentials DISTRIBUTED-WORKFORCE/OAKLAND, Calif.-(BUSINESS WIRE)-Block, Inc. (NYSE: XYZ) today announced that it will open the Cash App Score to external lenders for the first time, with Nova Credit as a distribution partner. The partnership will make Cash App's proprietary, cash flow-based credit score available to lenders through Nova Credit's Cash Flow Intelligence Platform, embedding it directly into the underwriting workflows lenders already use, with no new consumer credentialing required. Cash App Score, which has begun rolling out to customers, draws on millions of real-time, first-party signals from across the Cash App ecosystem, including spending, saving, repayment behavior, paycheck deposits, and peer-to-peer activity, to form a detailed, near real-time picture of a person's financial health. And, unlike traditional credit scores, Cash App Score doesn't look back exclusively at credit history - instead it reflects a customer's broader financial behavior including historical and current activities, reflecting changes in near real-time. Within Cash App, customers can see their score on the Money Tab, understand what drives it, and take concrete steps to improve it. Early engagement is strong - within 30 days, 55[1] percent of customers return to check their score. Cash App customers will set their own preferences for whether and how their score will be shared with third-party lending partners, with Cash App managing notifications and consent directly and no third-party logins required. "At Block, we believe people should be able to use their own financial history to unlock opportunity, on their terms," said Juan Hernandez, Head of Credit and Underwriting at Block. "We built Cash App Score to see the financial activity of millions of people the traditional credit system misses, and it's now the same technology at the center of how we manage credit across Block, where we use it to understand risk in near real-time. Partnering with Nova Credit lets us put that capability in the hands of lenders through infrastructure they already trust, so more of those consumers can be reached responsibly, while they stay informed and in control of their data." The technology behind Cash App Score powers underwriting across all of Block's consumer lending products. In Cash App Borrow, where the technology has been running longest, it approves 38 percent more customers at the same loss rate compared with traditional credit scores[1]. Roughly 70 percent of active Borrow customers have FICO scores below 580, the population conventional models underserve, at a target repayment rate. Block's analysis across additional categories indicates the potential to approve 30 percent more auto loans and 28 percent more credit card applications at comparable loss rates versus traditional methods. The technology does more than assess individual creditworthiness - it tracks consumer financial health in aggregate and in near real-time, giving Block a continuous read on how macroeconomic conditions are affecting its portfolio. This allows Block to model scenarios and adjust credit policy dynamically rather than relying on lagging indicators. For lenders, this means the Cash App Score is not a static signal - it is built on infrastructure that continuously adapts to economic conditions, the same infrastructure Block relies on to manage its own portfolio. A richer view for lenders, across verticals Through Nova Credit's network, lenders will be able to incorporate the Cash App Score into their underwriting across verticals including credit cards, auto lending, device financing, personal lending and tenant screening, all areas where Cash App does not compete, delivered through the same Cash Flow Intelligence Platform they rely on today. The Cash App Score will provide lenders with a comprehensive, near real-time view of a consumer's ability to pay. Used alongside Nova Credit's Cash Atlas, lenders will gain an additional layer of cash flow context through a single integration. Beyond distribution, Nova Credit brings deep experience deploying cash flow-based scores, along with the consumer-reporting infrastructure, FCRA-compliance framework, and established lender network that together turn a powerful score into a solution lenders can adopt with confidence. "By bringing the Cash App Score into Nova Credit's Cash Flow Intelligence Platform, we're giving lenders a unique tool to develop a richer, near real-time view of tens of millions of credit-seeking Americans," said Misha Esipov, Co-founder and CEO of Nova Credit. "Our joint goal is to help Americans put their best financial foot forward, using the apps they already rely on every day." Nova Credit and Block will share more about the partnership at the Cash Flow Intelligence Summit, the annual gathering of consumer lending leaders, in New York City on September 10, 2026. Apply to attend. About Block Block builds technology to increase access to the global economy. Each of its brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, Crypto Reporter is helping build a financial system that is open to everyone. Block.xyz About Nova Credit Nova Credit is the industry's leading cash flow intelligence platform, enabling businesses to unlock the power of cash flow data in how they operate. The company leverages its industry-leading data infrastructure, intelligence layer, and FCRA-compliance to boost underwriting approvals, fight fraud, drive responsible growth, and more. Nova Credit supports over 7,000 businesses including organizations such as Chase, HSBC, SoFi, AppFolio, and Yardi, with a growing suite of products. Learn more at www.novacredit.com. | __________________________ | | [1] | / | Block internal data | | [2] | / | Block's Modern Approach to Credit |

Business Wire
Jul 1st, 2026
Sallie Mae selects Nova Credit's Income Navigator for income verification.

Sallie Mae selects Nova Credit's Income Navigator for income verification. Nova Credit's income verification solution to support Sallie Mae's leading private student loan underwriting NEW YORK-(BUSINESS WIRE)-Nova Credit, a leading credit infrastructure and analytics company, today announced that Sallie Mae(R)(Nasdaq: SLM), the leader in private student lending, has selected the Nova Credit's Income Navigator to support income verification as part of its private student loan underwriting process. Income Navigator enables lenders to quickly and accurately verify consumer income, providing a more complete picture of an applicant's financial profile. Sallie Mae will leverage the solution to support its underwriting process and help responsibly provide access to education financing for students and families across the country. "Partnering with Sallie Mae, the gold standard in private student lending, is a proud milestone for Nova Credit," said Misha Esipov, CEO, Nova Credit. "Paying for college is one of the most consequential credit decisions a family can make, and getting it right requires putting forward a complete picture of their financial health. "Income Navigator will help make income verification faster and easier, improving the customer experience while supporting disciplined lending decisions grounded in verified borrower affordability." "As the market leader for private student lending, we're investing in innovative and scalable solutions to help more students access and complete their higher education," said Vikas Tyagi, Chief Credit Officer, Sallie Mae. "Income verification is a foundational element of responsible lending, and implementing Nova Credit's infrastructure and analytics with Income Navigator will allow us to make informed decisions for our business and for the students and families we serve." About Nova Credit Nova Credit is the industry's leading cash flow intelligence platform, enabling businesses to unlock the power of cash flow data in how they operate. The company leverages its industry-leading data infrastructure, intelligence layer, & FCRA-compliance to boost underwriting approvals, fight fraud, drive responsible growth, and more. Nova Credit supports over 7,000 businesses including organizations such as HSBC, SoFi, Appfolio, and Yardi, with a growing suite of products. Learn more at www.novacredit.com. About Sallie Mae Sallie Mae (Nasdaq: SLM) believes education and life-long learning, in all forms, help people achieve great things. As the leader in private student lending, we provide financing and know-how to support access to college and offer products and resources to help customers make new goals and experiences, beyond college, happen. Learn more at SallieMae.com. Commonly known as Sallie Mae, SLM Corporation and its subsidiaries are not sponsored by or agencies of the United States of America. Contacts. Media Contacts Nova Credit PR Contact: Katie McNally [email protected] Sallie Mae PR Contact: [email protected] More News From Nova Credit NEW YORK-( BUSINESS WIRE )-Nova Credit announces the 3rd annual Cash Flow Intelligence Summit, Sept. 10 in NYC, for 200+ senior consumer lending leaders...