Software Engineer (Cash-flow Analytics Team)

Nova, San Francisco, New York, Remote

Your gateway to global consumer credit data

Duration: Full-Time

At Nova Credit, we’re on a mission to make financial access easier, no matter where you’re from or where you go. We’re passionate about financial inclusion, and committed to building a diverse and fulfilling work culture.

While our Credit Passport Team is solving for the transfer of credit data across international borders, on the "Cash" (Cash-flow Analytics) team, we're looking closely at how we can increase financial access for anyone with poor, or little to no, credit history.

It can take years to build up good credit. Even if their financial situation shows that they have the ability to take on risks, a significant population in the US is denied access to financial services and other opportunities requiring credit checks, like apartment/home applications, student loans, and car loans. These are newcomers to the country, the newly employed, and others who haven't had the opportunity to build up credit.

We're looking at how we can use cash-flow analytics to provide lenders with an alternative system of trust for people generally underserved by the current credit system. This is a new and rapidly evolving market, and we believe that we’re uniquely positioned to serve it.

For a more in-depth look of our engineering culture, check out our page on Key Values.

We're remote friendly within the continental US and we will continue to be after the pandemic. Our only ask is for you to join us in-person for two company-wide offsites each year. Our US compensation will be tied to pay ranges of high-cost areas such as SF and NY, regardless of where employees live. 


  • Work closely with Product to provide solutions that differentiate our cash-flow product within the emerging market space
  • Be responsible for extending, improving, and managing the complexity of our cash-flow analytics product
  • Ship high quality solutions with urgency and speed, with end-to-end ownership of your projects
  • Have support, resources, and space to grow your career on the job


  • Mission-driven and passion to make a social impact
  • Eager to learn and mentor others
  • Have built and improved 3rd-party API integrations and internal/external APIs
  • 5+ years of relevant experience 
  • B.S. in Computer Science or equivalent
  • Experience with core parts of our stack (Node.JS, Express, React, ES6, Typescript, Postgres) (Preferred, but not required)
  • Experience at a fintech startup (Preferred, but not required)


  • Step 1: The phone screen gives us a chance to learn more about you, your goals, and your interests. It’s also a chance for you to learn about us and get answers to your questions. 
  • Step 2: The technical assessment (a one-hour coding challenge) is intended to give you a taste of what you’ll be doing at Nova Credit. We avoid asking algorithmic questions, so you can expect to be asked to complete more practical tasks, such as working with an existing API, parsing JSON responses, or building a UI component.
  • Step 3: The virtual on-site will give you the opportunity to meet additional engineers, have a conversation with your potential manager, and expose you to the Nova Credit culture. It is broken down into three one-hour technical sessions (coding challenges/systems design sessions) and a forty-five minute chat with the hiring manager.
Everyone is welcome at Nova Credit. We are an equal opportunity employer where our diversity and inclusion are central pillars to our company strategy. We look for applicants who understand, embrace and thrive in a multicultural and increasingly globalized world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

About Nova

A mission-driven team, solving one of the world's most complex problems Nova started its journey as a graduate research project at Stanford University in 2015 and has since evolved into the premier cross-border credit reporting agency. Our team comes from all over the world is passionate about empowering consumers to use their data to improve financial access. Today, Nova is a mission-driven company solving the problem of credit access for immigrants. We've built world-class technology to enable immigrants to transport their credit history around the world. We build integrations with credit databases internationally and allow lenders global access through a single API. In short, we've created the global platform for financial identity mobility so that immigrants never have to start from scratch again. Nova is revolutionizing the way consumers own and share their information and enabling them to access the credit and rentals they deserve.


Want to learn more about Nova? Visit Nova's website.