At Nubank, we deeply believe in collaboration and innovation as drivers for extraordinary, customer-centric solutions. With minimal hierarchical layers, we encourage autonomy among our teams, allowing people from diverse backgrounds to work side by side, broadening perspectives and enhancing outcomes.

Here, Business Analysts (BAs) play a strategic role, providing insights and gaining key learnings essential for Nubank’s business vision. Let’s explore how this happens across four different contexts.

Products: BAs integrated into the entire cycle

At Nubank, developing new products or improving existing solutions is marked by intense collaboration and customer-centric focus. Here, the BA is involved throughout the process, from prioritizing initiatives to post-launch monitoring.

Opportunity identification can originate directly from the BA, who uses analytical skills to deeply understand customer needs and recognize new business possibilities, or it might start with other professionals like Product Managers (PMs). Working together, constantly challenging the status quo, these professionals refine ideas and develop a strategic vision to prioritize features that solve real problems and deliver significant customer value.

This collaborative construction actively involves designers, ensuring products deliver the best user experience, emphasizing usability and smooth navigation. This constant interaction strengthens the BA’s customer-centric mindset, deeply understanding how each decision impacts the final experience.

Software Engineers materialize these visions, and through this collaboration, BAs gain solid technical insights into the structures underlying each product. This dynamic fosters a comprehensive understanding of product development and maintenance, reinforcing Nubank’s culture of transparency and mutual respect.

Finally, the monitoring phase, led by BAs, allows continuous product evolution through direct customer feedback. Here, contributions from UX Researchers and Xpeers—our dedicated customer support team—are critical, providing valuable insights about customers’ real expectations and needs. This joint approach reflects Nubank’s commitment to building diverse, high-performing teams focused on delivering extraordinary experiences.

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Credit projects: Learning with Data Scientists and Analytics Engineers

In credit-focused projects, BAs have the chance to work closely with Data Scientists, particularly in developing risk models and defining credit policies. This integrated partnership enables BAs to acquire technical knowledge in predictive analytics and master essential data analysis techniques, such as regression and decision trees, while providing Data Scientists with deeper business context.

This collaboration strengthens the team’s ability to create effective models that accurately assess financial viability for credit approval. Together, these professionals optimize decisions based on insights extracted from monitored data, such as setting key parameters for policies like interest rates and credit limits, always aiming for an optimal balance between risk and return.

BAs also frequently interact with Analytics Engineers, responsible for robust data structuring. Constant interaction between credit policy definition and technical infrastructure demands fluid and collaborative communication, allowing BAs to learn about creating optimized code that ensures policy effectiveness and performance within Nubank’s systems.

After launching credit policies, BAs remain engaged, continuously monitoring performance, comparing financial impact predictions against actual results. This process quickly identifies improvement opportunities and suggests adjustments when necessary.

These interactions exemplify just part of the dynamic, challenging routine of BAs in credit projects at Nubank, reflecting our culture of continuous learning, diverse collaboration, and exceptional results orientation.

Fraud defense: Structuring customer protection policies

Fraud demands constant attention and involves multidisciplinary teams of Engineers, PMs, and Data Scientists working together to keep our customers safe. At Nubank, BAs play a crucial role in creating and monitoring fraud defenses, proactively identifying risk scenarios and developing effective preventive policies.

These defense models are developed closely with Data Scientists and Engineers, ensuring robust, flexible systems reflecting Nubank’s constant innovation culture. Direct collaboration between BAs and Data Scientists deeply integrates predictive modeling technical knowledge with risk expertise, creating precise, efficient policies.

Additionally, Xpeers provide valuable insights into real customer experiences and emerging threats, enriching BA perspectives significantly. This integrated dynamic, marked by transparency and mutual respect among diverse teams, ensures solid fraud defenses with continuous and highly effective monitoring.

Market segments and product positioning

While Nubank’s product teams focus on global-scale development, market teams face the challenge of positioning products to meet specific, varied regional sub-segment needs. Here, BAs play an essential role by deeply understanding customer profiles, combining demographic and behavioral data to identify unique business opportunities.

Opportunities range from customized app designs to targeted marketing campaigns maximizing conversion, or developing exclusive functionalities and products like Nubank+ and Nubank Ultravioleta, tailored for markets like Brazil, Mexico, and Colombia.

In this constant innovation environment, BAs frequently collaborate with research and marketing teams, turning collected insights into effective, actionable segment-specific strategies. Additionally, they work closely with product teams, developing robust business cases directly influencing implemented improvements.

A distinctive aspect of BAs’ routines in segments is precisely the diversity and complexity of problems faced. Strategic decision-making frequently involves multiple scenarios, each with specific advantages and challenges.

In this context, BAs occupy a central role, providing clarity, actionable recommendations, and essential skills such as effective communication, strategic thinking, and collaborative work across areas like product, operations, marketing, and credit, reflecting our culture of diversity, transparency, and exceptional results orientation.

Continuous learning and collective impact

In short, the role of Business Analysts at Nubank far surpasses traditional functions, thriving in a dynamic, creative, and continuous learning culture. Guided by a data-driven mindset, these professionals intensely collaborate with Product Managers, Engineers, Data Scientists, and many other specialists, forming strong, diverse teams that challenge the status quo and drive significant innovations.

In explored projects—products, credit, market segments, and fraud prevention—BAs are critical in creating customer-oriented, effective solutions, ensuring exceptional experiences at every interaction. This integrated approach optimizes internal processes, enriches customer journeys, and positions Nubank as a digital experience leader in finance, consistently ahead of market expectations.

Thinking and acting as owners, BAs strategically maintain Nubank’s continuous evolution, delivering concrete results and genuinely committing to providing real value to our customers.

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