FP&A Specialist | Efficiency

About Us

Nu is one of the largest digital financial platforms in the world, with more than 122 million customers across Brazil, Mexico, and Colombia. Guided by our mission to fight complexity and empower people, we are redefining financial services in Latin America and this is still just the beginning of the purple future we're building.

Listed on the New York Stock Exchange (NYSE: NU), we combine proprietary technology, data intelligence, and an efficient operating model to deliver financial products that are simple, accessible, and human.

Our impact has been recognized by global rankings such as Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Bank. Visit our institutional page 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
• 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/