Credit Product FP&A Leader

Nubank; Miami (FL); Hybrid; USD 180,000 - 280,000; Full time

Benefits offered by this job

Equity

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Parental Leave

Learning Platform

Language Learning

Mental Health Support

401K / HSAs

Work-from-home Allowance

Relocation Aid

Job summary

Nubank seeks a Head of Credit Products FP&A to own credit economics across markets, shaping how pricing, underwriting, and funding drive profitability. You’ll lead a 15–20 person finance team and partner with senior leaders to forecast revenue, losses, and portfolio performance.

You will build P&Ls from first principles, use cohort analysis, and push for data-driven decisions, including AI-enabled planning. Experience in Brazil is a plus. Located in Miami with hybrid work expectations.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, Engineering, Business or related field.
• Extensive experience in consumer credit within FP&A, credit strategy, strategic finance, or business analysis.
• Proven track record of building P&Ls and forecasting models for consumer credit products.
• 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 people.
• Experience presenting to and influencing senior leadership on strategic decisions.
• Experience launching or scaling a credit product or market within a larger financial institution is a plus.
• Fluent English; Portuguese or Spanish is a plus.

Responsibilities

• Own planning, budgeting, forecasting, and reporting cycles for Credit Card and Lending across all markets with accountability for numbers.
• Forecast and explain net revenue and credit economics of each product from net interest income to losses.
• Build consumer credit P&Ls and forecasting models using cohort and vintage analysis.
• Own partnership with Risk and loss forecasting and drive credit performance insights.
• Collaborate with credit business leaders to influence growth, pricing, and portfolio decisions.
• Prepare executive materials explaining portfolio performance for budget reviews and earnings.
• Build and lead the team, set talent bar, coach analysts, and develop succession plans.
• Drive AI, analytics, and automation in planning, while maintaining human oversight.

Skills

Consumer credit mastery

Unit economics

Builder mindset

Executive presence

Stakeholder management

Technology & AI fluency

Talent development

Education

Bachelor's degree in Finance, Economics, Accounting, Engineering, Business

CFA or advanced degree a plus

Job description

Nubank seeks a Head of Credit Products FP&A to own credit economics across markets, shaping how pricing, underwriting, and funding drive profitability. You’ll lead a 15–20 person finance team and partner with senior leaders to forecast revenue, losses, and portfolio performance.

You will build P&Ls from first principles, use cohort analysis, and push for data-driven decisions, including AI-enabled planning. Experience in Brazil is a plus. Located in Miami with hybrid work expectations.