Nova Credit

Ny, remote, sf, east bay, la, seattle, silicon valley
51 - 100 employees
11 - 25 engineers
$50m - $100m funding
Series b

Nova Credit’s diverse global team is stitching together the world's credit data into a single network to unlock financial opportunities for immigrants and other populations historically excluded from the credit system. We’ve built a platform that enables lenders to access a single, predictive cross-border credit database to help enable underwriting decisions. We are backed by leading investors including Kleiner Perkins, General Catalyst, and Index Ventures.

Nova Credit photo 1 Nova Credit photo 2 Nova Credit photo 3

Why join us?

  • We're doing something no one else is doing: building a cross-border credit bureau.

  • We're doing something meaningful: making financial access easier for immigrants and other populations underserved by the current financial system.

  • Developers at Nova Credit have the opportunity to move across our stack (and even do non-engineering tasks, if desired). You won't be pigeon-holed.

  • We're growing! We expect to double headcount in 2022 and will be expanding our business and team globally.


Engineering at Nova Credit

Engineering team and processes

Nova Credit currently has 5 engineering teams, each of which (with the exception of the Infrastructure team) is mapped to a Product Manager. All Nova Credit engineers tend to work across the stack. Here’s a little more about each team: 1. The Supply team is Backend-heavy and focuses on integrating global Credit Bureaus. 2. The Newcomer team is focused on consumer-related products serving immigrants and newcomers and is more Frontend-focused. 3. The Enterprise team is Fullstack and works to support integrations with our business customers around the world. 4. The Ca$h team is also Backend-heavy and is working on Nova Credit’s newest greenfield product, a cash flow analytics product that will help to serve the credit invisible. 5. And, well, you can guess what the Infrastructure team does.

Our engineering teams work in two-week sprints and leverage JIRA for planning. We encourage collaboration and peer feedback through a set of norms and procedures designed to facilitate information-sharing and to keep historical records of how and why technical decisions were made. Engineers use template Technical Requirements Documents (TRDs) - the technical counterpart to Product Requirements Documents (PRDs) - to develop project plans (including any required architectural changes, pros/cons of various options, rollout strategies, etc.). These documents help create the foundation for cross-team collaboration and knowledge-sharing. They also allow us to more quickly onboard new team members (like you?!) by reducing information silos.

Finally, we use GitHub for source control, and follow best practices around PRs and code reviews to ensure quality. A large suite of automated tests integrated with CircleCI and a robust Quality Assurance process on staging environments allows us to test and deploy quickly; we do daily deploys to production after QA.

Technical Challenges

We are the first company to build a cross-border credit bureau. Each global credit bureau that we integrate with has different protocols and infrastructure, and so the challenge of making them all talk to one another cleanly and accurately is one that creates novel technical challenges never before tackled. We must take complex and varied data and create a single standardized report that meets the needs of both individual consumers who must agree to share their credit histories and the financial service providers who leverage the information to make lending decisions. Quality is essential as we’re handling individuals’ sensitive private financial data. Addressing these challenges can be tough, but we also know that in doing so we are building a more robust and fair financial infrastructure for the world.

Projects you might work on
  • SUPPLY: We recently built an integration with a Philippine credit bureau. Building credit bureau integrations is our bread and butter, and every new bureau comes with its own new opportunities and challenges. For some people, building these new data pipelines can be deeply personal, especially if they have friends or family who come from these communities. They can also be opportunities to learn how people from different cultures tackle the problem of tracking and building credit, as well as opportunities to find commonality to deliver the simplest API for our customers. These new integration launches can be very exciting and impactful because they allow us to say we now support credit data from immigrants from [X] country!

  • CA$H: Our Ca$h team is looking at how we can use a holistic view of someone’s financial situation to allow them to gain access to financial services. This means building data pipelines that transform individuals' financial history into interpretable insights, both at the individual consumer level and at the batch historical processing scale. To make this happen, we must build all the business- and consumer-facing interfaces to support those interactions. If we succeed, we can create a new way for lenders to make underwriting decisions, thus helping to unlock financial services for those with little or no credit history.

  • INFRASTRUCTURE: The infrastructure and platform team builds the core AWS infrastructure that powers Nova Credit as a global financial identity provider, enabling newcomers to compliantly, reliably, and securely access and transfer their credit reporting / transaction data from their home countries to their new locales. We also build core tooling for our other favorite customers, developers @ Nova – e.g. we recently implemented automation that provisions per-PR, complete & ephemeral containerized staging environments on every commit pushed to Nova Credit’s monrepo.

  • ENTERPRISE: The Enterprise team aims to empower our customers to utilize Nova Credit's technology via an API while also controlling the applicant flow. This team is working on enabling the credit data transfer process to become a many-to-many interaction where global citizens can use their international credit history to apply for financial services in the U.S. and in any country. Our daily work includes both frontend and backend projects, including maintaining a dashboard for our customers, owning a webhook system, and building out our groundbreaking API.

  • NEWCOMER: The Newcomer team is deeply invested in the financial wellbeing of individuals moving across borders. We work directly with Product and Design to identify and solve some of the most challenging parts of that journey, whether learning about how a new credit system works or narrowing down credit card options to meet the newcomer's unique needs. We rely on user research, experimentation, and measurement to ensure that the products we build drive a truly impactful experience for our users. The Newcomer team carries expertise across the web development stack, emphasizing front-end tooling. In addition to component libraries built using React, Emotion, and Storybook, keep the visual feel and polish consistent across all Nova Credit and up to date with our design team's latest efforts.

Tech stack
Node.js
React
Redux
GraphQL
PostgreSQL
Terraform
Ansible
Docker
AWS
Express.js

Working at Nova Credit

We value transparency and collaboration. As a Novan, you are entrusted with information about the company's performance (business and people metrics), including Board decks. We believe that context and information can help you do your job better. One of our core values is tie your neighbor's shoes, and the nature of our product means that as an engineer, you'll be working with folks across different teams: product, design, data, and even Go-To-Market functions. A supportive, collaborative culture allows us to tackle big, hard problems together.

Diversity and Inclusion

A focus on diversity, equity, and inclusion is embedded in much of what we do. Our active sourcing efforts, particularly for more senior roles, focuses on underrepresented populations. We track a range of diversity metrics, including some more specific to our business, including whether folks are first generation college students/graduates and their immigration history, and embed these metrics in our approaches to core processes, including performance, compensation, and engagement. As of December 2021, Nova Credit saw ~65% of employees self-identify as first or second generation immigrants, ~44% as non-male-identifying, 28% as under-represented minorities, and 17% as first generation college students/graduates.

Getting to know Novans as individuals to understand what they might need and want is crucial. This allows us to connect Novans with one another based on similar interests (#doggos). Employee Resource Groups are employee-led efforts to celebrate our diversity and create community among Novans, whether through casual movie nights or company-wide celebrations of holidays like Diwali. Finally, we strive to anticipate and respond to Novans' needs and support them when they need it most. Improving our mental health benefits offerings and training managers on how to support team members going through challenging personal circumstances are some of the ways in which we have done this in recent months.

As noted above, we have Employee Resource Groups for several populations, and the People team can also create additional resources for folks if/as needed. Our DEI vision is to create a Nova Credit in which any Novan, regardless of background or experience, can be successful.

Connect with our team during your hiring process

As part of our commitment to an inclusive workplace, we are happy to offer prospective engineers the chance to connect with our engineering employees who come from underrepresented backgrounds. It’s a way to get a better sense of our team and what it might be like to work with us.

If you’re interested in connecting with our team, be sure to bring this up during one of our introductory calls!

Perks & benefits
  • Generous Vacation

    Unlimited PTO as well as sick leave. Clear LOA policies.

  • Free Food

    Meals provided 3 days a week for those working from a Nova Credit office.

  • Travel

    Annual offsite and additional team travel if/when conditions allow.

  • Beautiful Office

    We have a beautiful NY office in Flatiron and will be moving to a new space in downtown SF, conveniently located close to multiple transit options, in March 2022.

  • Company Retreats

    Annual company offsite: San Diego in April 2022! Past locations have included Mexico and Lake Tahoe.

  • Maternal/Paternal Leave

    16 weeks of parental leave.

  • Flexible Hours

    We have folks working from multiple locations and dealing with a multitude of personal constraints (especially during COVID). We believe that we can enable some flexibility so long as we plan and implement the right tools, processes, and norms.

  • Health Insurance

    95% of base plan covered for employees, 70% for dependents for health, dental, and vision, starting from Day 1. HMO, PPO, and HSA options. One Medical membership. Ginger.io and Headspace access.

  • Transportation

    $75/month contribution for folks commuting to the office.

  • Team Activities

    Lots of team activities to help you build meaningful connections with your coworkers.

  • Serves underrepresented populations

    Immigrants, newcomers, and other thin/no-file consumers.

  • Work from Home

    We are remote-friendly.

  • Prioritizes diversity in hiring

    As noted above, we do this both through sourcing and by focusing on making the entire recruiting process (JD, interviewers, questions, etc.) inclusive.

  • Visa Support

    For candidates, we support H-1B transfers as well as TN, E-3, O-1, L-1, and DACA. Candidates on F1 and J1 visas must have at least 12 months of OPT remaining at the time of hire to be eligible.

    For existing employees who have worked for Nova Credit in the U.S. for at least 3 months may be eligible for greencard sponsorship. Existing employees can also be sponsored for H1B visas (though of course we cannot guarantee they will receive one).

  • LGBTQ+ friendly

    Our company, in partnership with our Borderless ERG, strives to be LGBTQ+ friendly.

  • Social impact driven

    We seek to power a more fair and inclusive financial system for the world. This work is hard and meaningful, and many folks make the choice to join Nova Credit because of their desire to serve populations that are underserved by the financial system today.

  • Dedicated Human Resources team

    We have a team - a really good one! :)

Our Team by the Numbers

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