Head of Credit FP&A — Build Credit Product P&Ls

Nubank; Virginia; Hybrid; USD 180,000 - 300,000; Full time

Benefits offered by this job

Equity

Medical Insurance

Dental and Vision Insurance

Life Insurance and AD&D

Extended maternity and paternity leave

Learning platform

Language learning program

Mental health and wellness program

401K/HSAs

Work-from-home Allowance

Relocation Assistance

Job summary

Nubank seeks a senior FP&A leader for Credit Products to own planning and forecasting across markets, building P&Ls and complex models for credit portfolios. You will drive profitability insights, lead a 15–20 person finance team, and partner with Risk, Pricing, and Growth leads to shape portfolio decisions.

Hybrid work setup in the US with exposure to senior leadership and a focus on AI-driven analytics to scale across geographies, with strong emphasis on Brazil as a critical market.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, Engineering, Business, or a related field. An advanced degree or relevant certification (e.g., CFA) is a plus.
• 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.
• 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 the planning, budgeting, forecasting, and reporting cycles for Credit Card and Lending across all markets, with full accountability for the integrity of the numbers and for the position Finance takes on them with leadership.
• Forecast and explain the net revenue and the credit economics of each product, from net interest income, funding cost, interchange, and fees to delinquency, provisioning, and loss, so that revenue and credit views reconcile into a single, defensible view of profitability.
• Build consumer credit P&Ls and forecasting models from first principles, using cohort and vintage analysis to reflect how a portfolio actually behaves, and model how pricing, limit, underwriting, and funding decisions flow through to each product and to Nubank's consolidated P&L.
• Own the partnership with Risk and loss forecasting, and be the authority across Finance on the drivers of consumer credit performance.
• Partner with the leaders of the credit businesses and a senior group of General Managers, bringing the finance perspective into growth, pricing, and portfolio decisions early enough to change them.
• Prepare clear, concise executive materials that explain how the credit portfolios are performing, in support of budget cycles, executive reviews, and company earnings.
• Build and lead the team: set the talent bar, coach analysts and managers, and create a succession pipeline. Decide where the team's capacity goes between recurring cycles, improvement work, and demands from across the organization.
• Drive the use of AI, advanced analytics, and automation in planning and analysis, reinvest the capacity it releases into our expanding geographies, deeper analysis, and business partnering, and keep the judgment to review and challenge AI-generated output.

Skills

Consumer credit FP&A

P&L forecasting

Cohort and vintage analysis

Executive communication

Team leadership

Pricing & underwriting awareness

AI/analytics fluency

Multi-market experience

Education

Bachelor's degree in Finance, Economics, Accounting, Engineering, Business, or a related field

Advanced degree or CFA

Job description

Nubank seeks a senior FP&A leader for Credit Products to own planning and forecasting across markets, building P&Ls and complex models for credit portfolios. You will drive profitability insights, lead a 15–20 person finance team, and partner with Risk, Pricing, and Growth leads to shape portfolio decisions.

Hybrid work setup in the US with exposure to senior leadership and a focus on AI-driven analytics to scale across geographies, with strong emphasis on Brazil as a critical market.