FP&A Specialist | Efficiency

About Us

Nu is the world’s largest digital banking platform outside of Asia, serving over 118 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. 

Guided by its mission to fight complexity and empower people, Nu caters to customers’ complete financial journey, promoting financial access and advancement with responsible lending and transparency. The company is powered by an efficient and scalable business model that combines low cost to serve with growing returns. Nu’s impact has been recognized in multiple awards, including Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks. Learn more :https://international.nubank.com.br/careers/ 

About the role

You will be responsible for the financial planning, monthly close, and variance analysis of transaction-related costs (network fees, Apple Pay, barcode payments, cost of services, operational losses, etc.) and discretionary spend (software, consulting, office, etc.). You’ll partner closely with Efficiency Business Partners and senior stakeholders in Core Banking, SPG and Controllership to enable data-driven decisions, identify optimization opportunities, and implement tracking and reporting. The role will also leverage modern data platforms and AI tools to automate analyses and accelerate insights.

You'll be responsible for

• Own budgeting, forecasting and monthly close activities for assigned expense categories; prepare timely P&L impact analysis and variance explanations.
• Build and maintain robust expense models and driver-based forecasts that capture transactional and discretionary cost dynamics.
• Perform deep-dive root-cause analyses for variances (volume, rate, contract changes, operational losses) and translate findings into actionable recommendations.
• Partner with Efficiency BPs to design experiments, prioritize cost-savings initiatives, and enable business leaders with data, KPIs and dashboards.
• Collaborate with Core Banking, SPG and Controllership on transaction flows, allocations, control points and reconciliations to ensure accurate accounting and reporting.
• Develop and maintain self-serve dashboards and automated reports (SQL/BI) for stakeholders; ensure data quality and lineage for expense metrics.
• Leverage AI/automation platforms and scripting (e.g., SQL, Python, R, or GenAI tools) to accelerate routine analyses, anomaly detection and scenario modeling.
• Communicate findings and recommendations clearly to senior stakeholders; support decision-making for cost optimization and strategic trade-offs.
• Contribute to continuous improvement of FP&A processes and systems (planning cycles, month-end close, SOX/compliance support).

We are looking for a person who has

• Analytical, problem solving and passionate to manipulate data in order to learn from it
• Great financial modelling skills
• Adaptability to dynamic way of working/short term deliverables
• Advanced or Fluent English
• Great communication skills
• Experience with budget cycles and budget execution
• Proficient with Anaplan, google sheets and Scala/Databricks. 

Our Benefits

• Chance of earning equity at Nubank
• Food/ Meal Card (Vale-Refeição and/or Vale Alimentação)
• Public Transportation Commuting Benefit (Vale-Transporte)
• NuCare – Psychological, Financial and Legal Assistance Program
• Life Insurance
• Medical Plan
• Dental Plan
• NuLanguage – Language Course Program
• Nucleo - Our learning platform of courses
• Extended Parental Leave
• Daycare Allowance
• Parental Consultancy
• Work-from-home Allowance
• Gym Partnerships
• 30 days of paid vacation

Our Nu Way of Working 

Our work model is hybrid and has cycles that can be from two to three months according to the business of ​​expertise. For every eight or twelve weeks of remote work, one will be at the office.

Links to support:

• English
• Portuguese
• Spanish (Mexico and Colombia)