Nova Credit

Curious about what’s inside Volume 6 of Payments Unbound? Each volume, we bring to life the stories of the game-changing ideas that are pushing the boundaries of what’s possible in payments, in partnership with J.P. Morgan. Discover more here https://lnkd.in/eW33aeUe With thanks to our contributors: Rubail Birwadker, Global Head of Growth at Visa  Ben Gilbert, Co-Host and Co-Founder of the Acquired podcast  David Rosenthal, Co-Host and Co-Founder of the Acquired podcast  Rachel Aileen StClair, Co-Founder and CEO of Simuli  Richie Etwaru, Co-Founder and CEO at Mobeus  Julie Samuels, President and CEO of Tech:NYC  Brett King, Futurist, Author and Entrepreneur  Ken Moore, Chief Innovation Officer at Mastercard  Ori Inbar, Co-Founder and CEO of AWE and Super Ventures  Adam Elbaz, General Manager, Consumer Banking at Bilt Asha C. Vice President of Product, Builder Experiences at Twilio Chaitanya Varanasi, Advisory Solutions Consultant at MongoDB Ajay Nair, General Manager, Platform at Elastic  Brooke Tilton-Foley, Vice President, Treasury Operations at Paramount  ✯ Helen Child ✯, CEO of Open Banking Excellence  Eyal Sivan, General Manager at Ozone API and host of the Mr. Open Banking podcast  Stefano Vaccino , CEO of Yapily  Simone Martinelli, CEO of Volume  Todd Clyde, CEO of Token.io  Ian Morrin, Head of Payments at Tink Misha Esipov, CEO of Nova Credit  Alex Marsh, Chair of Salad  Paul LaRusso, CEO of Akoya  Luciana Samara Kairalla Bahmdouni, General Manager of Open Finance at Nubank  Josh Proctor, Chief Financial Officer of Golden State Warriors

🎙️ Episode 4 is live! Host Keenan McCarthy sits down with Misha Esipov, Co-Founder and CEO of Nova Credit, to unpack how cash flow underwriting is reshaping credit decisioning. Fresh off Nova’s $35M Series D, Misha shares how the company is helping banks leverage cash flow data to expand access to credit, why regional institutions may hold a unique data advantage, and what growing industry momentum tells us about adoption across the lending ecosystem. Tune in to hear where credit innovation is headed → https://lnkd.in/eBhCXmuC #Fintech #Lending #CreditInnovation #CashFlowUnderwriting #CanapiConversations

Thrilled to have represented Nova Credit at #Money2020 with Kristie H. , Will Charnley , and Kyle Mack on the Converge Stage, chatting how to Know Your Customer. M2020 is always a great time to catch up with old friends and make some new ones - thanks for everyone who took time to meet, join us for an event, or just catch up over a quick coffee!

Debt data alone cannot tell the whole story. Nova Credit's Misha Esipov explains how cash flow underwriting gives lenders the missing half: income, spending, and savings, turning fragmented innovation into a standard. The result is fairer credit decisions at scale. Check out the full Monday Conversation on PYMNTS: https://hubs.ly/Q03QdFMQ0

💡 💡 💡 Reflecting on the 2025 Cash Flow Underwriting Summit last month. 300+ industry leaders. 38 of the top 40 largest banks and fintechs. Standing room only. And some of the most candid conversations I've witnessed about the future of America’s credit system. We drove our industry a few steps forward. A few years ago, cash flow underwriting was a side topic at conferences. This year, we have entered the steepest part of the adoption curve with leaders across the industry delivering production results: 15-40% approval rate lift for opportunity declines. Traditional bureau data is increasingly noisy—credit builders, soft inquiries, BNPL gaps making historically reliable signals harder to discern. What energized me most was the rapid expansion of use cases coming to life from growing top-of-funnel, to second look underwriting, to line assignment, and much much more. 🔌 At Nova Credit, we've built the infrastructure, analytics, and compliance to make cash flow underwriting plug & play. 🔌 Can't thank all of the incredible speakers enough speakers Nichole Mustard Richard Cordray, Ankur Jain, Paul LaRusso, Penny Crosman, Chris Reagan, Sarah Davies, Ph.D., Jane Barratt, Bart Willaert, Catherine Hogan, Amy Crews Cutts, John McNamara, Matt Lattman, Munish Pahwa, Ph.D., Debtosh Banerjee, Anand Bhushan, Evan Bryman, Dev Chakraborty, Kelly Thompson Cochran, Kevin Feltes, Bill Garber, Alex Johnson, Chris McCall, Jim McGinley, Das (Prasanth) Mohandas, Brent Montgomery, Lalitha R., Dave Wasik & Joy Wilder Lybeer. If you missed the Summit, 💻 register for the recording to hear directly from the industry leaders building the future of credit today: https://lnkd.in/eG5rRw5T If you'll be at Money20/20 this year, let's catch up.