Data science & Machine Learning

Data science & Machine Learning November 25, 2025

3 Lessons from implementing Controlled-Experiment Using Pre-Experiment Data (CUPED) at Nubank

Drawing from years of running large-scale A/B tests across millions of customers and hundreds of metrics, our Experimentation Platform team shares three lessons from implementing CUPED at Nubank.

Data science & Machine Learning November 12, 2025

Explaining Financial Models by Deleting Transactions

We explain how we use the LOTO method to understand the real impact of each transaction on financial models.

Data science & Machine Learning October 17, 2025

Data and AI culture: How Nu’s philosophy became a competitive advantage

At Meetup #6 in Nu Mexico, Moisés Rojo showed how values, technology, and data culture make Nubank more efficient and closer to customers

Data science & Machine Learning September 17, 2025

Giving Foundation Models a Notion of Now

Exploring how encoding transaction timestamps as time deltas rather than absolute dates boosts AI model performance and generalization.

Data science & Machine Learning September 15, 2025

Muon for Improved Foundation Model Pretraining Data Efficiency

We explored how the Muon optimizer, an innovative alternative to AdamW, helps us build more efficient foundation models, with faster convergence and reduced costs.

Data science & Machine Learning August 25, 2025

How Nubank models risk for smarter, scalable credit limit increases

How Nubank uses survival modeling, risk ranking, and scalable engineering to improve credit limit decisions across Brazil, Mexico, and Colombia