Head of FP&A | Credit Products

Nubank•Miami, FL

11d•Hybrid

About The Position

Nu is seeking a Head of Credit Products FP&A to serve as the finance owner for its consumer and small business credit businesses across Brazil, Mexico, Colombia, the United States, and future markets. The role covers credit cards, personal loans, and other lending products, and will expand as Nu launches products and enters new markets. The position operates autonomously with regular exposure to senior leadership and executives running the credit businesses. The role will build and reengineer models and forecasts for credit businesses, from individual customer economics through portfolio P&Ls, and own Finance’s position on those figures with the Management Team. It requires hands-on expertise in consumer credit portfolios, including origination, seasoning, revolving behavior, losses, and the effects of pricing, underwriting, and funding decisions on product economics and the P&L. Experience in Brazil is a plus. The Head will lead 15–20 finance professionals, set the quality standard, develop talent and succession, and remain close to models and data. The position also drives the use of AI, advanced analytics, and automation in planning and analysis, while ensuring outputs are reviewed and challenged appropriately. The position is based in Miami or Washington, US, under a hybrid model requiring office attendance at least twice a week, typically 2–3 times weekly.

Requirements

Bachelor’s degree in Finance, Economics, Accounting, Engineering, Business, or a related field.
Extensive consumer credit experience in FP&A, credit strategy, strategic finance, or business analysis at a bank, card issuer, consumer lender, or fintech.
Demonstrated experience building P&Ls and forecasting models for consumer credit products, rather than only maintaining them.
Direct experience with credit card and consumer lending economics, including cohort and vintage analysis, provisioning, and loss forecasting.
Experience leading teams responsible for modeling and forecasting credit product financial outcomes, and developing team members.
Experience presenting to and influencing senior leadership on strategic decisions.
Fluent English.
Mastery of consumer credit portfolio lifecycle, including origination, underwriting, seasoning, revolving and transacting behavior, interchange and rewards, delinquency, collections, and charge-off.
Ability to build a credit card or consumer loan P&L from scratch, understand interactions among its lines, and identify errors in models, including AI-generated models.
Strong command of net interest income and funding cost, interchange, fee income, cohort and vintage analysis, provisioning, and the trade-off between growth and credit quality.
Ability to improve models and build planning processes, work from incomplete information, make assumptions explicit, and revise them as the business learns.
Executive communication and judgment, including presenting clearly to senior executives, supporting positions with evidence, and adapting when new information changes the answer.
Ability to build trusted relationships with business leaders, Risk, Legal, and Treasury, and influence without formal authority.
Fluency with modern analytics and AI tools and judgment about when their output needs human review.
Ability to develop talent through coaching, direct feedback, and example.

Nice To Haves

Advanced degree or relevant certification, such as CFA.
Experience in Brazil, particularly deep expertise in Brazilian consumer credit gained at a bank, issuer, retail finance company, or fintech that originates and manages its own credit portfolio.
Experience launching or scaling a credit product or market within a larger financial institution.
Portuguese or Spanish language skills.

Responsibilities

Own planning, budgeting, forecasting, and reporting cycles for Credit Card and Lending across all markets, including the integrity of the numbers and Finance’s position with leadership.
Forecast and explain net revenue and credit economics for each product, including net interest income, funding cost, interchange, fees, delinquency, provisioning, and losses, reconciling them into a defensible view of profitability.
Build consumer credit P&Ls and forecasting models from first principles, using cohort and vintage analysis to model portfolio behavior and the effects of pricing, limits, underwriting, and funding decisions on products and the consolidated P&L.
Own the partnership with Risk on loss forecasting and serve as Finance’s authority on consumer credit performance drivers.
Partner with credit business leaders and General Managers, bringing Finance into growth, pricing, and portfolio decisions early enough to influence them.
Prepare concise executive materials on credit portfolio performance for budget cycles, executive reviews, and company earnings.
Lead and develop the team, set the talent bar, coach analysts and managers, build a succession pipeline, and allocate team capacity across recurring cycles, improvement work, and organizational demands.
Drive AI, advanced analytics, and automation in planning and analysis; redirect capacity toward expanding geographies, deeper analysis, and business partnering; and review and challenge AI-generated output.