Lead Business Control Officer - Global Credit Card

• 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.

• 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.

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.

To maintain a consistent and fair process for every candidate, Nu does not provide individualized technical feedback. See how our policy works here