Product & Regulatory Counsel, Nova Credit
$215-264k
More information about location
3 days a week in office (Flatiron, NY)
Cross-border credit reporting
Open for applications
Cross-border credit reporting
101-200 employees
Open for applications
$215-264k
More information about location
3 days a week in office (Flatiron, NY)
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
- Juris Doctor (J.D.) degree and active bar membership; 5+ years of relevant legal experience, including meaningful time in-house at a fintech, financial institution, consumer reporting agency or company operating in the consumer financial products space
- Experience advising product, data, and engineering teams on complex legal concepts: able to issue-spot early, articulate risk clearly, and propose practical solutions in a fast-moving environment
- Proven ability to navigate complex, heavily regulated environments, translating regulatory requirements into practical business guidance; experience with FCRA strongly preferred; familiarity with Fair Lending, Fair Housing and other state and federal consumer finance regulations is a plus
- Strong communicator with a demonstrated ability to translate complex legal requirements into clear, actionable guidance for non-legal stakeholders
- Comfort operating in ambiguity: experience making sound, supported judgments where the regulatory landscape is evolving or unsettled
- If you’re an attorney who loves wrestling with complex problems, coming up with simple and practical solutions, and is always striving for ways to move the business forward, we’d love to hear from you!
What the job involves
- Nova Credit’s Legal & Compliance team is focused on helping the company grow while guiding it through its legal, contractual, and regulatory obligations
- Operating in a highly regulated industry, the L&C teams are an essential part of Nova Credit’s business and strategy
- In this highly cross-functional role, you would be relied upon for your legal acumen and have broad exposure to Nova Credit’s business operations and product development process
- Our business is complex, and as a team member, you would frequently be asked to help clarify multifaceted issues
- Reporting to the General Counsel
- WITHIN THE FIRST MONTH, YOU'LL:
- Get to know Nova Credit’s organizational structure, key agreements, and legal processes
- Dive into our customers’ regulatory environment (FCRA, CCPA, GLBA, GDPR)
- Understand our product offerings and market, and how it all developed: the legal involvement at various stages, and processes that may be led versus supported by legal team members
- Get to know the company's working style, goals, mission, and values
- Become acquainted with your fellow Novans and key cross-functional stakeholders
- WITHIN THE FIRST QUARTER, YOU'LL:
- Dive deeper into current products, key regulatory features, risks, challenges, and areas for future development
- Work hand in hand with the product, data, and engineering teams on new features, product development, and positioning
- Review and develop a deep understanding of company policies and procedures that affect customers
- Get to know the credit reporting and analysis industry - including bureaus, financial institutions, credit providers, and other fintechs
- Advise the business on product requirements and limitations
- Get to know our corporate organizational structure and work with key stakeholders on ongoing company organizational management projects
- WITHIN THE FIRST YEAR, YOU'LL:
- Become a key advisor on legal, regulatory, and privacy risks and issues associated with products and features
- Guide our product, engineering, and data teams in navigating credit reporting and related regulatory frameworks, and serve as a thought partner on new ideas for our product strategies
- Help guide the legal aspects of international expansion strategies and required licensing
- Advise on implications of data protection and transfer laws
- Coordinate and collaborate with cross-functional teams to ensure consistent implementation of legal guidance and alignment on risk
- Analyze our legal processes, identify issues, and help the organization become more efficient
- Keep up on the industry and revise and update policies, forms, and agreements where necessary
- Work on cross-functional company initiatives and other special projects
- Help our Go-to-Market and marketing teams with respect to product positioning and completing regulatory or compliance reviews by customers
- Help us develop our legal organization as we expand into new regions
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 to the country where they are currently residing.
Nova Credit is currently able to import credit history from over 20 countries. Since being accepted to Y Combinator in 2016, the company has 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, and is using its funding to strengthen its platform's infrastructure, analytics and compliance.
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
(Co-Founder & CEO)Previously Teaching Fellow at NYU Stern School of Business for 2 years and Investment Banker at Goldman Sachs for 3 years.
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