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Nubank

Head of FP&A – Credit Products

Nubank

. Own planning, budgeting, forecasting, and reporting cycles for Credit Card and Lending across all markets .

Posted 10/30/2026full-timeUnited StatesLeadWebsite

Core Competencies

Role fit
Core Competencies

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Demonstrates expertise in consumer credit financial planning and analysis, including building P&Ls and forecasting models. Proven ability to lead teams, influence senior leadership, and drive advanced analytics and AI integration in financial processes.

Highest-signal resume keywords
Consumer Credit Financial PlanningP&L Building and Forecasting ModelsTeam Leadership and DevelopmentCohort and Vintage AnalysisAdvanced Analytics and AI Integration

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Financial Planning and AnalysisConsumer Credit EconomicsCohort AnalysisVintage AnalysisLoss ForecastingNet Interest IncomeFunding CostInterchangeProvisioningCredit Strategy
Soft Skills
Team CoachingInfluencing Senior LeadershipStrategic Decision-Making
Tools & Technologies
AI ToolsAdvanced Analytics Tools
Industry Keywords
Consumer LendingCredit Card EconomicsBankingFintechFinancial Outcomes Modeling

About the role

Key responsibilities & impact
  • Own planning, budgeting, forecasting, and reporting cycles for Credit Card and Lending across all markets
  • Forecast and explain net revenue and credit economics for each product, including net interest income, funding cost, interchange, fees, delinquency, provisioning, and loss
  • Build consumer credit P&Ls and forecasting models from first principles using cohort and vintage analysis
  • Model the impact of pricing, limits, underwriting, and funding decisions on products and Nubank's consolidated P&L
  • Own the partnership with Risk and loss forecasting
  • Partner with credit business leaders and General Managers on growth, pricing, and portfolio decisions
  • Prepare executive materials for budget cycles, executive reviews, and company earnings
  • Lead a team of 15-20 finance professionals, set standards, coach team members, and build a succession pipeline
  • Allocate team capacity across recurring cycles, improvement work, and organizational demands
  • Drive AI, advanced analytics, and automation in planning and analysis

Requirements

What you’ll need
  • Bachelor's degree in Finance, Economics, Accounting, Engineering, Business, or a related field
  • Extensive experience in consumer credit, within FP&A, credit strategy, strategic finance, or business analysis at a bank, card issuer, consumer lender, or fintech
  • Proven track record of building P&Ls and forecasting models for consumer credit products, not 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 the financial outcomes of credit products, and developing the people on them
  • Experience presenting to and influencing senior leadership on strategic decisions
  • Fluent English
  • Portuguese or Spanish is a plus
  • Deep expertise in consumer credit portfolios across origination, underwriting, seasoning, revolving/transacting behavior, interchange, rewards, delinquency, collections, and charge-off
  • Strong command of net interest income, funding cost, interchange, fee income, cohort and vintage analysis, provisioning, and growth versus credit quality trade-offs
  • Ability to improve models and build planning processes from incomplete information
  • Ability to use modern analytics and AI tools and review AI-generated output
  • Experience coaching and developing talent

Benefits

Comp & perks
  • 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