Building on the success of last year’s inaugural Summit, the forum brings together leaders from nearly all top 40 U.S. consumer lenders to unlock the power of cash flow underwriting.

Nova Credit, a leading credit infrastructure and analytics company, today announced the second annual Cash Flow Underwriting Summit, to be held in New York City on September 10, 2025. The Summit features leaders across consumer lending, discussing the rapid adoption curve of cash flow underwriting and the challenges and opportunities associated with bringing it to life.

The Summit comes at a pivotal moment in the economic and regulatory landscape. As traditional credit metrics become increasingly unreliable amid economic volatility, lenders are turning to real-time cash flow data to make more informed underwriting decisions while expanding access to credit.

"The success of last year's inaugural Summit—with over 200 industry leaders from nearly all of the top 40 banks and issuers—revealed the true extent of industry momentum behind cash flow underwriting," said Misha Esipov, CEO and Co-founder of Nova Credit. "We're seeing unprecedented demand for real-time cash flow data that tells a richer story about consumer creditworthiness. This year's Summit comes at a critical inflection point where lenders need to differentiate and grow responsibly amid economic uncertainty and advances in technology. Cash flow data is proving to be the competitive advantage that drives both better lending performance and expanded access to credit."

Adoption of cash flow underwriting continues to accelerate. With consumer and lender sentiment towards alternative data growing increasingly favorable, financial institutions are racing to better adapt, differentiate and maintain a competitive edge as the consumer credit landscape becomes more complex.

The Cash Flow Underwriting Summit is the premier annual gathering for senior industry leaders to explore how their institutions can implement cash flow and alternative data solutions into underwriting processes. Summit programming will feature real-world case studies from lenders who have seen success with cash flow underwriting, keynote addresses from industry visionaries, and strategic networking opportunities to shape the future of lending as the industry rapidly evolves.

Featured speakers include:

• Nichole Mustard; Co-founder & Fmr. Chief Revenue Officer, Credit Karma
• Ankur Jain; Founder & CEO, Bilt
• Paul LaRusso; CEO, Akoya
• Brian Kelly; Founder, The Points Guy
• Rich Franks; Global Head of Risk Strategy, PayPal
• John J. McNamara; Fmr. Principal Assistant Director, Markets; CFPB
• Penny Crosman; Executive Editor, American Banker
• Alex Johnson; Founder, Fintech Takes
• Sarah Davies; Senior Advisor, FinRegLab
• Misha Esipov; CEO, Nova Credit
• Bill Garber; SVP, Credit Policy & Analytics, Navy Federal Credit Union
• Brent Montgomery; SVP, Head of Credit Risk Management; Credit One Bank
• Matt Lattman; Fmr. SVP, Card Acquisition Marketing, Discover
• Tim Hong; Chief Product Officer, Moneylion
• Chris McCall; SVP, Credit, Analytics, Risk Management, Citizens Bank
• Kevin Feltes; CEO, FDX
• Evan Bryman; Chief Product & Strategy Officer; Concora Credit
• Debtosh Banerjee; President, Seen Finance
• Dave Wasik; Partner, 2nd Order Solutions
• Nikki Cross; Senior Director, Data Science, Nova Credit
• Collin Galster; COO Nova Credit
• And more to be announced!

“As an unrepentant cash flow data nerd, participating in last year’s Summit was like finding my tribe,” said Alex Johnson, Founder of Fintech Takes and 2025 Summit moderator. “There are so many places in the lending lifecycle where cash flow data can add significant value and I’m looking forward to becoming even smarter on this topic at this year’s Summit.”

Registration for this event is limited. For more information, including the full agenda and to apply to attend, please visit: https://www.cashflowunderwritingsummit.com/.

About Nova Credit

Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data. As a Consumer Reporting Agency (CRA), Nova Credit leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill critical gaps in traditional credit analytics. The company transforms the fragmented universe of consumer financial data into compliant, actionable risk insights through a comprehensive platform designed to increase conversion through expanded coverage, speed, and reliability. Leading organizations, including HSBC, SoFi, Scotiabank, AppFolio, and Yardi, work with Nova Credit to make smarter credit decisions through cash flow underwriting with Cash Atlas™, quickly verify income with Income Navigator, and reach new-to-country consumers with Credit Passport^®. Learn more at www.novacredit.com or reach out to connect@novacredit.com.

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