Nu serves more than 140 million customers, guided by a mission to fight complexity and empower people. The company has been leading an industry transformation through innovative products and human-centered services.
Proprietary technology and data at scale power Nu’s digital platform, built to promote financial access, advancement, and transparency. Its business model thrives on customer love and lower costs, feeding a flywheel of growth and profitability.
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We are seeking an FP&A Senior Expert to lead financial planning and analysis for the businesses Nu is building beyond its core Latin American markets. Today that means Nu US and Nu Global. You will be the finance owner for these businesses and for new geographies from the first business case through launch: building their P&Ls, standing up planning and forecasting, and giving leadership a clear, independent view of whether each business is on track.
This role is not about maintaining an established forecast. New businesses start with little operating history, product plans that are still taking shape, and legal and regulatory structures that are still being defined. You will build the financial model of a business before it has data, decide which assumptions matter most, and revise them as the business learns. The scope covers every product we offer in these markets, including credit card, lending, banking, and international money movement.
The role is designed to move with Nu's expansion. As a business matures, its FP&A transitions into a permanent structure and you take on the next new market. You will also lead the financial analysis behind opportunities the company is evaluating, so you will be part of the conversation about where Nu goes next.
You will operate with a high degree of autonomy and consistent exposure to senior leadership, including the executives who run these businesses. You will be expected to hold a position when the analysis supports it, push back with evidence, and take direct feedback.
This is a senior individual contributor role. You will be the technical lead for a small team of up to three analysts, setting the standard for their work and developing them while staying hands-on in the models and analysis yourself.
Own the planning, budgeting, forecasting, and reporting cycles for Nu US and Nu Global, with full accountability for the integrity of the numbers and for the position Finance takes on them with leadership.
Build financial services P&Ls from first principles across credit, banking, and payments products, and model how product, pricing, and funding decisions flow through to each business's results and to Nu's consolidated P&L.
Lead the financial evaluation of new markets and products: unit economics, capital and funding requirements, the effect of legal entity and licensing structures, and the business case presented to senior leadership.
Bring deep expertise in cross-border money movement, including FX, funds-in and funds-out costs, card network economics, and stablecoin rails, and become the reference on these topics across Finance.
Partner with the leaders of the new businesses, bringing the finance perspective into pricing, product, and investment decisions early enough to shape them.
Prepare clear, concise executive materials that simplify complex topics, often on short timelines.
Set the analytical standard for the team: coach analysts, review their work, and build the processes and documentation that let each business's FP&A transition cleanly once it matures.
Drive the use of AI, advanced analytics, and automation in planning and analysis, while keeping the judgment to review and challenge AI-generated output.
Required
Financial services P&L mastery: you can build the P&L for a credit card, lending, banking, or payments product from a blank page, understand how every line interacts, and find what is wrong in a model built by someone else or by an AI tool.
Money movement and digital asset expertise: deep understanding of cross-border remittance economics, payment networks, and stablecoins, with working knowledge of crypto.
Builder mindset: you are comfortable starting from incomplete information, making assumptions explicit, and building planning processes where none exist yet.
Executive presence: you present with clarity and authority to senior executives, hold your ground on substance, and adapt when new information changes the answer.
Stakeholder management: you build trust-based relationships with business leaders, legal, risk, and regulatory teams, and influence decisions without formal authority.
Technology and AI fluency: you use modern analytics and AI tools to raise the speed and quality of the team's work, and you know where their output needs a human check.
Talent development: you raise the bar for the analysts around you through coaching, direct feedback, and the example you set.
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 FP&A, strategic finance, corporate development, or business analysis in financial services, such as a bank, card issuer, payments or remittance company, or fintech.
Proven track record of building P&Ls and forecasting models for financial products, not only maintaining them.
Direct experience with international money transfer, payment networks, or stablecoins.
Experience launching or scaling a new business, market, or product within a larger financial institution is a plus.
Experience presenting to and influencing senior leadership on strategic decisions.
Experience mentoring or leading analysts.
Fluency in English; Portuguese or Spanish is a plus.
Location
Miami, US
Work model
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/
Office requirement
For more details, visit https://building.nubank.com/nu-hybrid-work-model/
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.
Total compensation includes base salary, RSUs and benefits. Base salary range: US$177k - US$222k.
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.
To maintain a consistent and fair process for every candidate, Nu does not provide individualized technical feedback. See how our policy works here