业务控制负责人 - 全球信用卡
Lead Business Control Officer - Global Credit Card
Nu是拉丁美洲领先的数字银行，为巴西、墨西哥和哥伦比亚的1.4亿客户提供服务。公司通过利用数据和专有技术，开发创新产品和服务，引领行业变革。
秉承着对抗复杂性并赋能人们的使命，Nu为客户提供完整的金融旅程，通过负责任的贷款和透明度促进金融准入和进步。公司由一个高效且可扩展的商业模式驱动，结合低成本服务与不断增长的回报。
Nu的影响力已获得多项奖项的认可，包括《时代》100家最具影响力公司、《快公司》最具创新力公司以及《福布斯》全球最佳银行。
访问我们的机构页面 https://www.nu.com/2026-en
关于该职位
作为全球信用卡业务的首席业务控制官（BCO），你将在加强Nu的第一道防线并推动全球信用卡组合可持续增长方面发挥关键作用。你将与全球信用卡、产品、运营和风险部门的高级领导紧密合作，主动识别、评估和管理非财务风险，确保在强大的高效控制环境中实现业务目标。
你将是一位亲力亲为的领导者，在推动创新的同时树立风险卓越的标准。你将帮助建立并持续演进全球信用卡的BCO模式，将风险责任嵌入第一道防线，挑战我们当前的工作方式，并帮助我们建立行业领先的风控实践。
你将负责
- 作为全球信用卡业务的主要第一道防线风险合作伙伴，平衡风险管理与业务目标及客户影响。
- 推动对全球信用卡生命周期中端到端流程、风险和控制的深入理解，从产品设计和开户到服务、催收和支持。
- 设计、评估并持续改进内部控制，以确保风险被有效识别、缓解和监控。
- 领导和协调第一道防线的风险管理工作，包括风险和控制自我评估（RCSA）、损失和风险事件管理、问题整改以及持续改进计划。
- 确保健全的治理、风险和合规实践，符合内部政策和全球框架。
查看英文原文
ABOUT NU
Nu is the leading digital bank in Latin America, serving 140 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 Most Influential Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks.
Visit our Institutional Page https://www.nu.com/2026-en
ABOUT THE ROLE
As a Lead Business Control Officer (BCO) for the Global Credit Card business, you will play a critical role in strengthening Nu’s first line of defense and enabling sustainable growth of our credit card portfolio globally. You will partner closely with senior leaders across Global Credit Card, Product, Operations, and Risk to proactively identify, assess, and manage non-financial risks, ensuring that business objectives are achieved with a strong and efficient control environment.
You will be a hands-on leader, setting the bar for risk excellence while enabling innovation. You will help establish and continuously evolve the BCO model for Global Credit Card, embedding risk ownership in the first line, challenging how we work today, and helping us build best-in-class risk management practices.
YOU’LL BE RESPONSIBLE FOR
- Acting as the primary first-line risk partner for the Global Credit Card business, balancing risk management with business objectives and customer impact.
- Driving a thorough understanding of end-to-end processes, risks, and controls across the Global Credit Card lifecycle, from product design and onboarding to servicing, collections, and support.
- Designing, assessing, and continuously improving internal controls to ensure risks are identified, mitigated, and monitored effectively.
- Leading and coordinating first-line risk management activities, including risk and control self-assessments (RCSA), loss and risk event management, issue remediation, and continuous improvement initiatives.
- Ensuring strong governance, risk, and compliance practices in alignment with internal policies, global frameworks, and applicable external regulations.
- Supporting product and feature development by bringing a proactive risk lens to strategic decisions, business cases, and go-to-market plans.
- Defining, tracking, and reporting meaningful risk and control metrics (KPIs/KRIs) that enable effective monitoring of the control environment and timely decision-making.
- Building and running pragmatic, non-bureaucratic governance forums that bring together key stakeholders to discuss risks, controls, incidents, and remediation plans.
- Preparing and presenting clear, concise risk reports and updates to senior leadership and relevant governance bodies.
- Partnering with second and third lines of defense to ensure alignment, transparency, and effective challenge, while maintaining strong ownership of risks in the first line.
- Contributing to the ongoing evolution of the BCO framework at Nu, sharing best practices, proposing improvements, and helping shape how we operate as a global first-line risk team.
WE ARE LOOKING FOR A PERSON WHO HAS
- Proven experience working with credit card products and businesses, preferably in a global or multi-market environment.
- Solid experience in non-financial risk management, operational risk, or related risk disciplines within financial services or fintech.
- Strong understanding of risk and control frameworks, governance, and regulatory expectations for consumer credit products.
- Experience designing, assessing, and improving processes and internal controls, including documentation and process mapping.
- Proven ability to influence and build strong relationships with stakeholders at different levels of the organization, including senior leaders.
- A hands-on, ownership-driven mindset, with the ability to dive deep into details while keeping a strategic view of risks and priorities.
- Strong analytical and problem-solving skills, with the ability to translate complex issues into clear actions and decisions.
- Excellent communication skills in English, with the ability to convey risk topics in a clear, concise, and structured way.
- Independence, proactivity, and a strong desire to challenge the status quo and improve how we work.
Nice to have
- Experience in first-line risk roles directly embedded in business or product teams.
- Prior exposure to SOX or similar internal control over financial reporting frameworks.
- Experience working with teams across different countries and cultures.
- Knowledge of data, analytics, or tooling that can help automate and enhance risk and control monitoring.
LOCATION FOR THIS OPPORTUNITY
Virgínia (DC Metro)
OUR BENEFITS (UNITED STATES)
- 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.
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/.
We offer relocation package for those who are available to be relocated to the DC region.
LEARN MORE ABOUT HOW WE BUILD AT NU
Explore how we build products, technology, and experiences at Nu:
- https://building.nubank.com.br
- https://youtube.com/@building.nubank
- https://open.spotify.com/show/4hAJnAkYKXl42hLXa4LmVQ
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.