Head of FP&A | Credit Products

The posting, as Nubank wrote it

ABOUT NU

Nu serves more than 140 million customers, guided by a mission to fight complexity and empower people. The company has been leading an industry transformation through innovative products and human-centered services.

Proprietary technology and data at scale power Nu’s digital platform, built to promote financial access, advancement, and transparency. Its business model thrives on customer love and lower costs, feeding a flywheel of growth and profitability.

Visit our Institutional Page https://www.nu.com/2026-en

ABOUT THE TEAM

Nu's Finance organization is structured into functional areas that together safeguard financial stability, compliance and strategic decision-making. Most core finance functions operate under a dual reporting structure — reporting directly into the global Finance team, with a dotted line to the business they support — which keeps us close to the operation while holding a consistent global standard.

Within Finance, FP&A owns budgeting, forecasting and long-term financial planning, and acts as the analytical partner behind the company's biggest decisions. The team drives profitable growth by improving visibility, forecasting quality, consolidation and analysis of results and key metrics, translating them into insights and recommended actions for senior management. It also defines the performance metrics that create accountability and ownership across FP&A and the business units — tracking them consistently to measure progress, monitor KPIs and drive cost optimization.

ABOUT THE ROLE

We are seeking a Head of Credit Products FP&A to be the finance owner for Nu's consumer and small business credit businesses across all markets – Brazil, Mexico, Colombia, the United States, and the geographies we enter next. Credit is the engine that powers Nubank's economics, and this role is the person leadership turns to when the question is how that engine actually behaves: what drives revenue, what drives losses, and how the two reconcile into a single view of each product.

The scope covers every credit product we offer, including credit card, personal loans, and other lending products, and it will grow as Nu launches new products and enters new markets. You will operate with a high degree of autonomy and consistent exposure to senior leadership, including the executives who run these businesses. You will be expected to hold a position when the analysis supports it, push back with evidence, and take direct feedback.

This role is about building as Nubank grows including reengineering how we model and forecast our credit businesses, starting with the economics of a single customer and building up to the portfolio P&L. You will also own the position Finance takes on those numbers with the Management Team. Doing that credibly requires deep, hands-on expertise in consumer credit: how portfolios originate, season, revolve, and lose money, and how pricing, underwriting, and funding decisions flow through to the P&L. Ex
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tive presence: you present with clarity and authority to senior executives, hold your ground on substance, and adapt when new information changes the answer.

• Stakeholder management: you build trust-based relationships with business leaders, Risk, Legal, and Treasury, and influence decisions without formal authority.
• Technology and AI fluency: you use modern analytics and AI tools to raise the speed and quality of the team's work, and you know where their output needs a human check.
• Talent development: you raise the bar for the people around you through coaching, direct feedback, and the example you set.

WORK SETUP

Location

Miami, US
Washington, US

Work model

Expected: Hybrid 2-3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/

OUR BENEFITS

• Opportunity of earning equity at Nu
• Medical Insurance
• Dental and Vision Insurance
• Life Insurance and AD&D
• Extended maternity and paternity leaves
• Nucleo - Our learning platform of courses
• NuLanguage - Our language learning program
• NuCare - Our mental health and wellness assistance program
• 401K Saving Plans - Health Saving Account and Flexible Spending Account
• Work-from-home Allowance
• Relocation Assistance Package, if applicable.

Our recruitment process may involve the use of artificial intelligence–enabled tools, such as automated interview transcription and analysis, to support the evaluation process. Artificial intelligence is not used to make final hiring decisions; all decisions are made by human reviewers.

To maintain a consistent and fair process for every candidate, Nu does not provide individualized technical feedback. See how our policy works here https://script.google.com/a/macros/nubank.com.br/s/AKfycbwvrewE58oGSbRWIVv8CyCWN68GLxpPVsfYYXv-ZHg94QFsTJmi82rF1x0yt-OTs2W0DQ/exec