信用风险专员
Credit Risk Specialist
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 14000 万客户提供服务。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。
以对抗复杂性并赋能人们为使命，Nu 为客户完整的金融旅程提供服务，通过负责任的贷款和透明度促进金融准入和进步。公司由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》世界最佳银行。
访问我们的机构页面 https://www.nu.com/2026-en
关于该职位
作为信用风险专家，你将负责实际运行准备金流程。你的重点是信用风险数据和模型流程的可靠性、可扩展性和可观测性——协调、数据质量检查和平台功能，使我们的风险模型每次周期都能正确运行，支持模型监控、使用和流程控制。
你将用信用风险分析师的判断来处理数据，但你的日常任务是让流程更加稳健、自动化和自我监控。这是一个需要深入数据的工作——在数据科学 / 机器学习流程维护方面能力强，熟悉代码，并热衷于将流程转化为可靠、低干预的系统。
你将负责：
- 负责流程可靠性——构建、维护并强化为 ECL 计算提供数据的流程，确保每个周期都能低干预且完全可重复。
- 维护模型评分流程——操作化并生产化风险模型（例如 PD/EAD/LGD 评分运行），保持从模型交接至生产的路径标准化和可重复。
- 管理上游依赖项——使流程对外部数据变化具有弹性；尽早检测故障。
- 构建数据质量和监控警报——对流程进行仪器化，使数据和流程问题在影响数值前自动显现。
- 推进平台路线图——贡献有计划、有路线的改进，使平台始终领先于新需求。
- 与数据工程、建模和财务团队协作——与你所消费数据和所生成报告的团队合作。
- 支持控制和审计——帮助实现
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 Credit Risk Specialist, you'll own how the provisioning process actually runs. Your focus is the reliability, scalability, and observability of the credit-risk data and model pipeline — the orchestration, data-quality checks, and platform capabilities that let our risk models run correctly every cycle, supporting model monitoring, use and process controls.
You bring a credit-risk analyst's judgment to the numbers, but your day-to-day is making the pipeline robust, automated, and self-monitoring. This is a role for someone who leans over data — strong on data science / ML pipeline maintenance, comfortable in code, and motivated by turning processes into dependable, low-touch systems.
You’ll be Responsible for
- Own pipeline reliability — build, maintain, and harden the data pipelines that feed the ECL calculation, so each cycle runs low-touch and fully reproducible.
- Maintain the model-scoring pipeline — operationalize and productionize risk models (e.g. PD/EAD/LGD scoring runs), keeping the path from model hand-off to production standardized and repeatable.
- Manage upstream dependencies — make the pipeline resilient to external data changes; detect breakage early.
- Build data-quality and monitoring alerts — instrument the pipeline so data and process issues surface automatically before they reach the numbers.
- Advance the platform roadmap — contribute deliberate, roadmapped improvements so the platform stays ahead of new demands.
- Collaborate across data engineering, modeling, and finance — partner with the teams whose data you consume and whose reports you feed.
- Support controls and audit — help capture control and data-quality evidence continuously from source systems rather than by hand each cycle
WHAT WE'RE LOOKING FOR SOMEONE WHO HAS
- Bachelor's degree in Engineering, Computer Science, Data Science, Statistics, Math, Physics, Economics, or a related quantitative field.
- Strong coding and data engineering skills — SQL and Python, with hands-on experience building and maintaining data / ML pipelines.
- Experience keeping data science or machine-learning pipelines in production — scheduling, monitoring, data-quality checks, and debugging failures.
- Analytical, problem-solving mindset, genuinely motivated to work with data and learn from it.
- Working understanding of credit risk concepts and how portfolio data maps to risk metrics.
- Adaptability to a dynamic way of working.
WORK SETUP
Location
Sao Paulo, Brazil
Work model
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.
Office requirement
2 days per week at the office.
OUR BENEFITS
BRAZIL JOBS:
- 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
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.