FP&A - Credit Products & Strategic Planning

About Nu

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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About the team

Mexico FP&A is the finance partner of the Mexico business. We sit between the product, credit, growth and marketing teams and the country leadership, and our job is to make sure every bet the business makes is sized, challenged and reflected in the P&L before it is made.

We are not a reporting team. We work hand in hand with Credit Card, Lending, Cuenta (deposits and transactional) and Growth stakeholders, as well as Treasury, Controllership, Public Policy, Second Line Risk and Investor Relations, to turn strategy into numbers and numbers into decisions.

How we work

• We are owners: we make things happen instead of waiting for them.

• We have a bias to output: fast, right-sized answers over months-long projects.

• We set the finance agenda, not only serve it.

• We embrace conflicting ideas and question the status quo, with data.

• We work hard, with integrity and putting the team first.

About the role

As the IC7 in Mexico FP&A for credit products and strategic planning, you are the senior analytical bridge between Mexico's credit products, the P&L and the planning process. You do not run closings or own the budget calendar. You own something harder: making sure what goes into the plan is grounded, challenged and financially sound, and that leadership decides with the right numbers in front of them.

The role has three faces. You are a business partner to Credit Card, Lending, Cuenta, Growth and Core, who challenges their strategy and helps them bake initiatives into the plan. You are a first responder who quantifies, within days, anything that hits the P&L that wasn't planned. And you are a decision shaper who builds the frameworks, tools and governance leadership uses to decide.

At this level you set the finance agenda rather than wait for requests. You work directly with the country CEO, CFO and business-unit leaders, move between hands-on modeling and executive framing in the same week, and raise the analytical bar of the team around you.

What you will do

1. Partner with product teams and bake their initiatives into the plan

• Understand the projections of Credit Card, Lending, Cuenta, Growth and Core teams and challenge the strategy behind them: assumptions, timing, certainty and whether the impact is really incremental.

• Help teams translate initiatives into P&L impact when they don't know how, and carry them into budget, rebudget, forecast checkpoints and the 5-year plan.

• Size initiatives with a consistent toolkit (NPV, CAC, payback, ROAS, gross profit) and apply clear inclusion criteria.

• Push back when a plan doesn't add up and perform deep dives proactively, for example recommending not to launch a program until its economics are positive, and proposing alternatives such as phased rollouts or test budgets.

2. React fast to anything that hits the P&L unplanned

• Be the first to quantify regulatory and market shocks.

• Turn the impact into options: mitigation levers, owners and dates, not only a number.

• Detect and escalate data and accounting anomalies that distort the P&L.

3. Be the analytical bridge between credit products, the P&L and planning

• Challenge investments and strengthen how decisions are made with clear argumentation.

• Build tools leadership can use directly that help in the decision-making process.

• Propose and drive decision governance, especially on when Finance must be involved.

4. Communicate to executives and raise the bar of the team

• Prepare materials for executives with a clear narrative, grounded in numbers.

• Support regulatory deliverables.

• Coach analysts on the team and set the bar for analytical rigor.

What we are looking for

Must have

• Bachelor's degree in Economics, Finance, Industrial Engineering, Actuarial Science or a related quantitative field; a master's degree is a plus.

• 8+ years of experience in FP&A, business analytics, strategy or credit analytics, with a significant part in consumer credit, banking or fintech.

• Track record of changing senior leadership decisions with analysis: stopping, reshaping or accelerating initiatives based on their economics.

• Deep unit-economics and credit knowledge: NPV, CAC and payback, ROAS and incrementality, cost of risk, provisions (IFRS 9), funds transfer pricing, interchange, and how credit policy flows into the P&L.

• Hands-on analytical skills: SQL, financial modeling and spreadsheets; Python or notebooks is a strong plus. You build your own data instead of waiting for it.

• Ability to lead cross-functional analyses end to end with Product, Credit, Treasury, Controllership, Risk and Public Policy, and to influence without authority.

• Executive communication: turn complex analysis into a one-page story and a clear recommendation for C-level audiences.

• Comfort with ambiguity and speed: you can size an unplanned impact in days and refine it later.

• Experience coaching or mentoring analysts.

• Fluency in Spanish and English.

Nice to have

• Experience with Mexican financial regulation or regulated banking entities.

• Experience with planning tools such as Anaplan.

• Experience designing experiments or incrementality tests.

• Fluency with AI tools to speed up analysis and build lightweight dashboards and calculators

Work Setup

Location

Mexico City

Work model

[Hybrid / On-Site]

Office requirement

2 days per week at the office.

Our Benefits

MEXICO JOBS:

• Chance of earning equity at Nubank

• Food Card

• 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

• Holiday Bonus ("Aguinaldo") of 30 days of pay per year

• 17 days of paid vacation with 25% vacation bonus

• Relocation Assistance Package, if applicable

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