Nova Credit


Year of Selection



Fintech [International credit data reporting]



To build the world’s cross-border credit reporting bureau. Build bridges, not walls. 


With global immigration growing from 258M people in 2017 to over 400M by 2050, the challenge of financial access for people who move is on the rise. Immigrants struggle to rent apartments, open bank accounts, and finance cell phones because their credit history is not portable, so they are forced to start over with every international move. Nova Credit provides seamless access to international credit history, enabling 50 million immigrants in the United States  to arrive and thrive, unlocking new consumers for lenders and other financial institutions. To ease the burden of immigration, Nova Credit buys data from leading credit bureaus around the world and, with consumer permission, translates it into a U.S.-equivalent score and a report in a format familiar to American underwriters who provide newcomers with the means to start their lives here including apartment leases, student loans, credit cards, cell phone plans and auto loans. 


Misha Esipov is the CEO and co-founder of Nova Credit, the world’s cross-border consumer reporting agency. Nova has built a global network of credit bureaus to empower consumers to transport their financial identity wherever they move. As CEO, Misha oversees the overall strategic direction of the firm as well as leading Nova’s mission to “power a fair and inclusive financial system for the world.” Under his leadership, Nova has emerged as one of the most exciting financial technology companies from Silicon Valley in the last few years. The company is backed by Kleiner Perkins, Index, General Catalyst, First Round Capital, Y Combinator and is a Forbes Top 50 Fintech. Before Nova, Misha was a private equity investor at Apollo Global Management, a $250 billion global alternative asset manager. Misha started his career at Goldman Sachs where he helped execute over $10 billion in corporate financing, mergers and acquisitions. Misha was born in Russia and immigrated to the United States after the fall of the Soviet Union. He holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.

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