Nubank CFO Livingston flags disciplined approach to US expansion in first public interview
NU•AI tools speed model development
Nu said its proprietary nuFormer AI models cut credit model development to about seven days from roughly three months, with human review retained.
US expansion framed as a bounded bet
Livingston framed potential expansion beyond Latin America as a disciplined, bounded bet, with the US cited as a key long-term market.
Nu plans to cap US entry spending at 100 basis points of its efficiency ratio over two years, with OCC national bank approval expected within 18 months.
CFO signals continuity in credit discipline
Nu Holdings’ new CFO Rob Livingston signaled continuity in credit discipline in a management videocast interview with CEO David Vélez.
Credit growth remains constrained by profitability hurdles, including a stress test requiring each decision to stay profitable even if losses double.
