Senior Data Scientist, Nova Credit
$142.8-201.6k
Cross-border credit reporting
Be an early applicant
Cross-border credit reporting
101-200 employees
Be an early applicant
$142.8-201.6k
101-200 employees
Company mission
To inspire and facilitate the flow of human diversity, helping the world's moving population to arrive and thrive.
Role
Who you are
- 4+ Years relevant experience in data science, quantitative modeling, or machine learning
- Relevant PhD or MS preferred (e.g., Data Science, Computer Science, Statistics, Applied Statistics, Operational Research)
- Required - Fluency in generalized linear models & machine learning methods and tools; Preferred - Experience with hypothesis testing
- Required - Fluency using Python and SQL; Preferred - Experience using PySpark and Pola.rs
- Preferred - NLP and document fraud experience
- Preferred - consumer credit risk knowledge
- Above all, the ability to break down new and complex problems into fundamental and solvable components
What the job involves
- The Senior Data Scientist role will be part of the Data Science team at Nova Credit, where you will play a crucial role in researching, designing, and developing our global data science strategy
- Applying your critical thinking and analytical skills to data, traditional statistical modeling, and modern machine learning techniques, you will serve as a conduit to bring key functions together, including: data partnerships, risk and analytics, product, engineering, and customer success, to develop and implement our core data systems
- Working closely with our customer-facing teams, you will demonstrate the strength of our products and services through data analytics and insights
- Ultimately, your role is to ensure that Nova Credit’s products deliver high-quality predictive risk signals; every initiative you work on will be crucial to the company’s success
- Reporting directly to the Head of Data Science
- Research and develop credit risk predictive models based on cross-border consumer performance data or bank transaction data
- Research and develop bank transaction text classification models leveraging statistical models and/or large language models
- Utilize bank transaction data to develop attributes for credit risk assessment, income verification, or other financial products
- Research and develop models for document processing and tampering identification
- Collaborate with our engineering organization to guide reliable deployments of data science products
- Perform continuous research into new data sources, variables, and modeling methodologies
- Develop and execute model monitoring solutions
Our take
For the 15 million new immigrants who arrive in the US each year, it’s crucial to have a working credit history. Without this, they’ll be unable to rent an apartment, apply for a credit card or in some cases even get a job. The issue is that their credit history won’t have travelled with them, so lenders in their new country won’t be able to verify their eligibility. Nova Credit's founders experienced this problem first-hand, as Esipov is a first-generation Russian immigrant.
Nova Credit imports financial histories to enable immigrants to set up lives in new countries, with their ‘Credit Passport’. This is a digital framework that connects an individual’s credit history information from one country into the country where they are currently residing.
Nova Credit is currently able to import credit history from 8 countries, its most recent addition being the UK in January 2023. Since being accepted to Y Combinator in 2016, the company has since raised considerable funding from major finance players such as HSBC. Nova Credit has grown its footprint significantly, covering more than 1 billion consumer credit profiles, with further expansion in sight.
Steph
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (last 2 of 6 rounds)
Oct 2025
$35m
SERIES D
Oct 2023
$45m
SERIES C
Total funding: $149.5m
Company benefits
- Free flight anywhere in the world on every anniversary
- Complementary wellness benefits, including Headspace and Ginger subscriptions
- $75/month contribution by Nova towards commuter benefits
- Dental and vision are 95% subsidized for Nova Credit employees, and 50% for dependents
- Unlimited paid time off policy
- $1500/year professional development budget
- Catered lunch on Mondays, Wednesdays, and Fridays
- Health insurance
- SF / NY salaries across the US
- $50/month contribution by Nova Credit towards your cell phone bill
Company HQ
Financial District, San Francisco, CA
Leadership
Misha Esipov
(CEO)Previously Teaching Fellow at NYU Stern School of Business for 2 years and Investment Banker at Goldman Sachs for 3 years.
Nicky Goulimis
(Board Member)Previously worked for 3 years at Bain & Company, holding various positions such as Associate Consultant and Senior Associate Consultant. She served as COO until 2021.
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