About the job
About Us
Nubank is a leading digital financial platform with over 122 million customers across Brazil, Mexico, and Colombia. Our mission is to simplify financial services and empower individuals, and we are just getting started on this exciting journey towards a user-friendly financial future.
As a publicly traded company on the New York Stock Exchange (NYSE: NU), we leverage state-of-the-art technology, data intelligence, and a streamlined operating model to deliver financial products that are accessible, straightforward, and human-centered.
Our innovative approach has earned us recognition from prestigious global rankings, including Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Bank. To learn more, please visit our careers page.
About the Team:
The Credit Risk Squad operates as the second line of defense within Nubank, focusing on the effective management and oversight of credit risk. We play a pivotal role in developing Expected Credit Loss (ECL) models that help calculate loss allowances, ensuring the company's credit risk is managed with precision and efficiency throughout the model development lifecycle, which includes implementation, monitoring, and operational quality assurance.
About the Role:
As a Retail Credit Risk Specialist in our Credit Risk Squad, you will be integral to advancing Nubank’s exceptional risk management framework. Your primary responsibilities will involve developing and maintaining expected credit loss models, specifically for retail markets, such as credit cards and personal loans. Your contributions will be vital in ensuring robust management of the company’s credit risk and credit provisions.
Your Key Responsibilities Will Include:
- Designing, implementing, analyzing, and monitoring risk parameter models (PD, LGD, EAD) for our retail portfolios, ensuring compliance with regulations such as IFRS9 and Bacen 4966. You will also engage in backtesting, data analysis, documentation, and operational monitoring to maintain cutting-edge models.
- Staying well-informed about local and international regulatory standards related to provisions and credit risk management, including a foundational understanding of IFRS9 and Bacen 4966.

