Nova Credit, the credit infrastructure and analytics company that enables businesses to grow responsibly with alternative credit data, has today announced the appointment of Nichole Mustard, co-founder and former Chief Revenue Officer of Credit Karma, to its board of directors.

Having co-founded Credit Karma, one of the leading credit insights providers, Nichole is an industry titan, whose work in scaling the company gave it a platform to provide millions of Americans with a deeper understanding of their credit through a seamless product. Nichole’s invaluable experience in enabling credit access for millions of Americans in the digital age has given her a front-row seat to the technological and data advancements that have drastically impacted consumer lending decisions.

“We are undergoing a paradigm shift in credit underwriting, with new data, regulations, and technology fostering unprecedented opportunity. Capitalizing on these opportunities demands a fresh perspective with demonstrated expertise in consumer credit,” said Misha Esipov, Nova Credit Co-Founder and CEO. “I could not be more excited to welcome Nichole to our board. Bringing her experience in co-founding and scaling Credit Karma into the iconic company that it is today is a dream come true. Nichole’s passion and deep expertise throughout the credit ecosystem will not only be instrumental in scaling our business, but also in accelerating our mission of creating a more fair and inclusive financial system for the world.”

Nichole will help guide the company’s strategy to enable responsible business growth and insights for its clients by harnessing the power of consumer credit data, helping expand credit access in the process. This will be especially true as Nova Credit looks to advance the impactful deployment and applications of cash flow and income data across the underwriting journey.

“As open banking gains traction from regulators and from lenders looking to expand their underwriting analytics beyond the traditional credit system, Nova Credit is pioneering technological solutions that leverage data to tell a richer story for millions of misunderstood credit applicants,” said Nichole. “The company and its team are poised to create a more navigable credit system for both consumers and the businesses that serve them, and I couldn’t be more excited to contribute to its mission.”

Nichole co-founded Credit Karma in 2007 and served as Chief Revenue Officer. Previously, she was a financial services sales director at Compete, which was acquired by TNS Media. She holds a Doctorate degree from Miami University.

ABOUT NOVA CREDIT

Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data. The company is a CRA that leverages its unique set of data sources, bank-grade infrastructure, compliance framework, and proprietary credit expertise to help lenders fill the gaps that exist in traditional credit analytics. Nova Credit serves as the bridge between data and credit excellence, providing a comprehensive platform of solutions designed to give lenders across finance, fintech, property management, telecom, and automotive a competitive edge in the open finance era. Its cross-border credit product, Credit Passport^®, cash flow underwriting product, Cash Atlas^™, and income verification product, Income Navigator, are used by leading organizations like American Express, Verizon, HSBC, RBC, SoFi, Scotiabank, Appfolio, and Yardi. Learn more at https://www.novacredit.com or reach out to connect@novacredit.com.

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