Lead Business Control Officer - Global Credit Card

Socket.dev; Virginia (MN); Hybrid; USD 130,000 - 190,000; Full time

Benefits offered by this job

Equity

Medical Insurance

Dental and Vision Insurance

Life Insurance and AD&D

401K

Relocation Assistance

Job summary

Nu is seeking a Lead Business Control Officer for Global Credit Card to strengthen the first line of defense and enable sustainable growth. You will partner with senior leaders across risk, product, and operations to identify, assess, and manage non-financial risks with a strong control environment.

You will lead the evolution of the BCO model, embedding risk ownership in the first line, and drive governance, reporting, and continuous improvement across the portfolio.

Qualifications

• Proven experience with credit card products and businesses, ideally global or multi-market.
• Strong background in non-financial risk, operational risk, or related disciplines.
• Solid understanding of risk/control frameworks, governance, and regulatory expectations for consumer credit.
• Experience designing and improving processes and internal controls with mapping.
• Ability to influence and build relationships with senior leaders.
• Hands-on ownership mindset with strategic risk view.
• Strong analytical and problem-solving skills to translate issues into actions.
• Excellent English communication, concise and structured.

Responsibilities

• Act as primary first-line risk partner for Global Credit Card, balancing risk and business impact.
• Understand end-to-end processes, risks, and controls across the lifecycle.
• Design and improve internal controls to identify, mitigate, and monitor risk.
• Lead risk management activities: RCSA, loss events, remediation, continuous improvement.
• Ensure governance, risk, and compliance with policies and external regulations.
• Support product development with proactive risk lens in decisions.
• Define, track, and report risk metrics to enable timely decisions.
• Run governance forums with stakeholders to discuss risks and remediation.
• Present clear risk reports to senior leadership and governance bodies.
• Collaborate with second/third lines of defense to maintain first-line ownership.

Skills

Credit card products experience

Non-financial risk management

Governance & regulatory expectations

Process mapping & documentation

Influence stakeholders

Hands-on ownership mindset

Analytical problem solving

Clear English communication

Job description

About Nu

Nu is the leading digital bank in Latin America, serving 135 million customers across Brazil, Mexico, and Colombia. The company has been leading an industry transformation by leveraging data and proprietary technology to develop innovative products and services. Nu’s mission to fight complexity and empower people, Nu caters to customers’ complete financial journey, promoting financial access and advancement with responsible lending and transparency. Nu’s impact has been recognized in multiple awards, including Time 100 Most Influential Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks. Visit our Institutional Page

About the role

As a Lead Business Control Officer (BCO) for the Global Credit Card business, you will play a critical role in strengthening Nu’s first line of defense and enabling sustainable growth of our credit card portfolio globally. You will partner closely with senior leaders across Global Credit Card, Product, Operations, and Risk to proactively identify, assess, and manage non-financial risks, ensuring that business objectives are achieved with a strong and efficient control environment.

You will be a hands-on leader, setting the bar for risk excellence while enabling innovation. You will help establish and continuously evolve the BCO model for Global Credit Card, embedding risk ownership in the first line, challenging how we work today, and helping us build best-in-class risk management practices.

You’ll be responsible for

• Acting as the primary first-line risk partner for the Global Credit Card business, balancing risk management with business objectives and customer impact.

• Driving a thorough understanding of end-to-end processes, risks, and controls across the Global Credit Card lifecycle, from product design and onboarding to servicing, collections, and support.

• Designing, assessing, and continuously improving internal controls to ensure risks are identified, mitigated, and monitored effectively.

• Leading and coordinating first-line risk management activities, including risk and control self-assessments (RCSA), loss and risk event management, issue remediation, and continuous improvement initiatives.

• Ensuring strong governance, risk, and compliance practices in alignment with internal policies, global frameworks, and applicable external regulations.

• Supporting product and feature development by bringing a proactive risk lens to strategic decisions, business cases, and go-to-market plans.

• Defining, tracking, and reporting meaningful risk and control metrics (KPIs/KRIs) that enable effective monitoring of the control environment and timely decision-making.

• Building and running pragmatic, non-bureaucratic governance forums that bring together key stakeholders to discuss risks, controls, incidents, and remediation plans.

• Preparing and presenting clear, concise risk reports and updates to senior leadership and relevant governance bodies.

• Partnering with second and third lines of defense to ensure alignment, transparency, and effective challenge, while maintaining strong ownership of risks in the first line.

• Contributing to the ongoing evolution of the BCO framework at Nu, sharing best practices, proposing improvements, and helping shape how we operate as a global first-line risk team.

We are looking for a person who has

• Proven experience working with credit card products and businesses, preferably in a global or multi-market environment.

• Solid experience in non-financial risk management, operational risk, or related risk disciplines within financial services or fintech.

• Strong understanding of risk and control frameworks, governance, and regulatory expectations for consumer credit products.

• Experience designing, assessing, and improving processes and internal controls, including documentation and process mapping.

• Proven ability to influence and build strong relationships with stakeholders at different levels of the organization, including senior leaders.

• A hands-on, ownership-driven mindset, with the ability to dive deep into details while keeping a strategic view of risks and priorities.

• Strong analytical and problem-solving skills, with the ability to translate complex issues into clear actions and decisions.

• Excellent communication skills in English, with the ability to convey risk topics in a clear, concise, and structured way.

• Independence, proactivity, and a strong desire to challenge the status quo and improve how we work.

Nice to have

• Experience in first-line risk roles directly embedded in business or product teams.

• Prior exposure to SOX or similar internal control over financial reporting frameworks.

• Experience working with teams across different countries and cultures.

• Knowledge of data, analytics, or tooling that can help automate and enhance risk and control monitoring.

Location for this opportunity

Virgínia (DC Metro)

Our Benefits (United States)

• 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.

Work Model for this Role

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/.

We offer relocation package for those who are available to be relocated to the DC region.

Learn more about how we build at Nu

Explore how we build products, technology, and experiences at Nu:

• https://building.nubank.com.br

• https://youtube.com/@building.nubank

• https://open.spotify.com/show/4hAJnAkYKXl42hLXa4LmVQ

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.