ecosystem / companies / nova-credit
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Nova Credit

Nova Credit is a cross-border credit bureau. Its Credit Passport translates a newcomer's credit history from their home country into something a US lender can underwrite, so someone who moves is not treated as having no financial history. It started as a Stanford research project in 2016.

FintechSan FranciscoFounded 2016novacredit.com ↗

The people

Open roles via the TechTO Job Board

Working at Nova Credit

Browse open roles across the community on the TechTO Job Board — Canada’s most connected tech network. Nova Credit’s roles show up here whenever they post.

Open roles on the TechTO Job Board ↗Or their own careers page: novacredit.com/careers ↗

Jobs live on jobs.techto.org — the only structured source. We link to it rather than scraping career sites, so the board is always the source of truth.

On the TechTO stage

Every talk is searchable — ask the archive about Nova Credit ↗

About

Misha Esipov and his co-founders began by interviewing classmates about how they made financial decisions, and found that every international student they spoke to could not get a credit card, a loan or a phone plan. They considered lending directly to immigrants and instead built the infrastructure — the pipelines that let a financial identity travel with a person. Esipov walked TechTO through that decision in September 2020.

Backers

Not verified for this page.

Some figures are founder-stated, not independently confirmed

Quick answers

What does Nova Credit do?

It moves credit history across borders. Its Credit Passport converts an applicant's foreign credit file into a form US lenders can score, so newcomers can access credit without starting from zero.

How did Nova Credit start?

As a research project at Stanford in 2016. The founders were studying how students made financial decisions and kept hitting the same wall with international classmates.

Why is Nova Credit in a Canadian directory?

Because its CEO spoke on the TechTO stage in September 2020. The company is US-based; the problem it solves is one many people moving to and from Canada run into.

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Maintained by TechTO · facts sourced and dated · last reviewed Jul 30, 2026