Chief Technology Officer

WHO WE ARE Nova Credit is the industry’s leading cash flow intelligence platform, enabling businesses to unlock the power of cash flow data in how they operate. The company leverages its industry-leading data infrastructure, innovative intelligence layer, & robust FCRA-compliance to boost approvals, improve offers, fight fraud, drive responsible growth, and more. Nova Credit supports over 7,000 businesses including organizations such as Chase, HSBC, SoFi, Sallie Mae, Appfolio, and Yardi, with a growing suite of products. Nova Credit is proud to be backed by an exceptional group of investors and was named in Forbes’ Fintech 50 in 2025 and Built In’s Best Places to Work, 2025 . ABOUT THE ROLE We're seeking a Chief Technology Officer (CTO) to own Nova Credit's technology and product vision at the highest level. This is a defining executive role where you will set the strategic direction and own technical execution across Engineering, Infrastructure, Data Science, and Product & Design, driving transformative impact across everything we build. As a member of the Leadership Team, you will serve as the visible steward of our technical and product culture, aligning innovation with long-term business outcomes and ensuring Nova Credit remains a category leader in financial infrastructure. Owning Nova Credit's technology and product strategy, including setting the vision for our platform across Engineering, Infrastructure, Data Science, and Product & Design, and ensuring alignment with company-wide goals and mission Leading transformative, cross-functional initiatives that elevate the reliability, scalability, and strategic impact of our enterprise-grade platform. You’ll also need to zoom in and support the team in our fast-paced development environment Serving as a connective force across the organization, actively building trust and context between Build and every other function, so that engineering, product and analytics priorities stay aligned and the business operates as a cohesive whole Identifying where AI creates durable competitive advantage in our products and where it can meaningfully accelerate how our teams build, ship, and operate, and helping your organization act on both Serving as an expert coach, mentor, and empathetic leader to a team of managers across each function, fostering a culture of continuous growth, and both hard and soft skill development Making high-stakes decisions that shape the organization's long-term success, navigating complex tradeoffs with sound judgment and a transformative mindset Representing Nova Credit externally as a thought leader, communicating our technical and product philosophy to customers, partners, regulators, and the broader industry Recruiting, developing, and retaining talent and coaching your managers to do the same within their teams This is a full-time role with a preference for NYC area-based candidates, reporting directly to our CEO.  WITHIN THE FIRST MONTH, YOU'LL: Accomplish deep understanding of Nova Credit's mission, business model, technical architecture, and product portfolio Build thorough relationships with your reports across Engineering, Infrastructure, Data Science, and Product & Design, as well as peer executives and key cross-functional stakeholders Develop a rapid understanding of the current roadmap, outstanding technical debt, and organizational design across your functions and be ready to own execution across the org. Identify the highest-leverage opportunities and risks across the technology and product landscape WITHIN THE FIRST QUARTER, YOU'LL: Establish a clear point of view on the technology and product strategy, including where to invest, accelerate, and rationalize Define performance expectations and growth paths for the managers reporting to you Partner with the CEO and Leadership Team to align the product & analytics roadmap with company strategy and near-term business priorities Drive measurable improvements in delivery, velocity, and quality across your functions WITHIN THE FIRST YEAR, YOU'LL: Deliver a technology and product strategy that positions Nova Credit for its next phase of growth, including platform investments that unlock new business opportunities Build out and strengthen the leadership bench across all four functions Drive significant architectural or organizational improvements that simplify, scale, and differentiate our platform Become a recognized external voice for Nova Credit, engaging with technical leaders at our enterprise customers and partners, at industry events and in the press setting the standard for what world-class fintech infrastructure looks like YOUR SKILLSET: Engineering foundation: 15+ years of experience in software engineering, with a career arc that has grown from hands-on technical work into executive leadership spanning both engineering, product, and data science functions Executive experience: 5+ years in an executive role with ownership over multiple technical and product functions at a high-growth technology company Engineering credibility: Deep ability to engage substantively in architectural decisions, set a high bar for engineering quality, and earn the trust of a technically sophisticated team. You have built and shipped complex systems, not just managed people who did Organizational leadership: You've built and led layered organizations through managers, and you know how to develop talent, sustain high performance, and retain talent Product sensibility: You can translate market opportunity and customer insight into a compelling, differentiated roadmap, and partner effectively with design and data science to bring it to life AI fluency: A clear, informed perspective on the evolving role of AI in financial services and enterprise software, with practical experience guiding teams on where and how to apply AI effectively and responsibly Executive communication: Demonstrated ability to communic