Misha Esipov
Nova Credit CEO and Co-Founder
Misha Esipov is the co-founder and CEO of Nova Credit, a leading credit infrastructure and analytics company helping lending institutions to grow responsibly by streamlining onboarding, verification, and underwriting processes of credit data. The company’s differentiated data sources and proprietary analytics are used by leading organizations like HSBC, SoFi, and Yardi. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi.Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $232 billion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.
2026 Agenda Sessions
Can data aggregators power the next wave of smarter credit?
APIs from Plaid, MX, and others enable real-time cashflow insights and personalized underwriting. But how are lenders actually using these tools to improve decisioning, and what are the pitfalls?
We’ll dive into how top lenders are using financial data access to fuel better, faster, and fairer credit decisions.
Takeaways:
• Explore use cases for financial APIs in modern underwriting.
• Learn how data normalization and enrichment improve models.
• Understand the data privacy and regulatory implications of open access.
Wednesday 01 April 09:35 - 10:15 Lending
Compliance & Regulation
Data & Personalization
Infrastructure & APIs
We’ll dive into how top lenders are using financial data access to fuel better, faster, and fairer credit decisions.
Takeaways:
• Explore use cases for financial APIs in modern underwriting.
• Learn how data normalization and enrichment improve models.
• Understand the data privacy and regulatory implications of open access. Lending US/Pacific
