努控股 NU

Eric Cristhopher Young is our Chief Technology Officer, who started at Nubank on August 18, 2025. Most recently, he served as Senior Vice President of Engineering at Snap Inc., where he led teams responsible for scaling infrastructure and delivering seamless, mobile-first experiences to hundreds of millions of users globally. Prior to that, he served as Vice President of Engineering at Google for seven years, overseeing foundational elements of their technical infrastructure (job scheduling & resource management control plane), which ultimately powered their Search, Ads, YouTube and Google Cloud products. Eric also spent 15 years at Amazon scaling enterprise systems and processes as part of senior roles he held across supply chain, fulfillment, personalization and pricing. Eric has a B.S. in Computer Science and Math from Vanderbilt University and an MBA from the University of Pennsylvania Wharton School of Business.

David Velez Osorno is our Founder, the Chairman of our Board of Directors and our Chief Executive Officer. Before founding Nu in 2013, David was a partner at Sequoia Capital, in charge of the firm's Latin American investments group. Before Sequoia, David worked in investment banking and growth equity at Goldman Sachs, Morgan Stanley and General Atlantic. He holds a Bachelors of Science in Management Science and Engineering and a Masters in Business Administration, both from Stanford University.

Ethan Eismann is our Chief Design Officer, a position he has held since July, 2025. Prior to joining Nubank, he served at Slack from January 2019 to July 2025, first as Vice President of Design and, starting in July 2021, as Senior Vice President of Design, leading the global design organization. Before Slack, he held senior design leadership roles at Airbnb, Uber, Google, and Adobe over more than two decades in the technology industry. He holds an MS in Information Design & Science from the University of California, Berkeley and a BA in Philosophy from Pomona College.

Suzana Kubric is our Chief People Officer, a position she has held since May 2023. From December 2022 until May 2023 she held the position of Vice President of People and Culture. From March 2021 until November 2022 she held the position of Vice President of HR Business Partners. Before joining Nu, she served several leadership positions in Human Resources in companies of different segments, such as Human Resources Director Latin America and D&I Champion at Kantar IBOPE Media (Ibope pesquisa de midia Ltda.) from February 2017 until March 2021, HR Integration Lead & Talent Management Head - Europe and Americas for Consumer Business - at GSK Consumer Health (Glaxosmithkline Brasil Ltda.) from November 2015 until January 2017, HR Head at OTC Latam and OTC Mercosul, HR Business Partner at Pharma, Finance and Marketing Support and Talent Management Head at Novartis Biociencias S.A from January 2007 until October 2015, Human Resources Manager at Associacao Civil Greenpeace from May 2005 until May 2006, Regional Human Resources Coordinator at CoE Learning & Development, and Human Resources Analyst and Intern at Food Division at Unilever Brasil Industrial Ltda. from November 1999 until April 2015. Mrs. Kubric holds a Bachelor's degree in Administration from Fundacao Armando Alvares Penteado - FAAP and a Master's in Business Administration from Florida International University.

Diego Piacentini is a member of our Board of Directors, a position he has held since April 2026. Mr. Piacentini is the founder of View Different, a venture firm that invests in entrepreneurs using technology to reshape traditional industries. He served as Senior Vice President of International Consumer Business at Amazon for 16 years, overseeing operations in Europe, Asia, and emerging markets. Before Amazon, he held senior roles at Apple, including leading its European business. In the public sector, Mr. Piacentini served a two-year term as the Italian government's Special Commissioner for the Digital Agenda, leading initiatives to modernize public services through technology. He also serves as non-executive director of The Economist Group, DoorDash and Voi Technologies, executive advisor to KKR, and board member or mentor to organizations including Endeavor and the Institute for Health Metrics and Evaluation (IHME). Mr. Piacentini holds a B.S. in Economics from Bocconi University.

Thuan Quang Pham is our Board Member and also Member of our Audit and Risk Committee since September 2022. He is the current CTO of Faire (since May 2024). Mr. Pham served as Chief Technology Officer of Coupang from September 2020 until September 2022, and of Uber Technologies, Inc. from April 2013 to May 2020. From December 2004 to January 2013, Mr. Pham served in various Vice President roles at VMWare, Inc., a software and technology company, including as Vice President of R&D - Cloud Management Platform from June 2012 to January 2013. Mr. Pham holds both B.S. and M.S. degrees in Computer Science and Electrical Engineering from the Massachusetts Institute of Technology.

Anita Mary Sands is a member of our Board of Directors, a position she has held since October 2020. She has acted as our Lead Independent Director since October 2022, and is also a member of our Audit and Risk Committee since June 2021. Dr. Sands has served on the board of directors of ServiceNow, Inc. since July 2014, besides other private boards of directors, such as JumpCloud, Inc. (since December 2021), Cyderes (since January 2022) and Rokt (since January 2025). She also served on the boards of directors of Circle Internet Financial, Inc. (2022 until 2024), Pure Storage, Inc. (2015 until 2021), Khosla SPAC (2021), and SVF SPAC (2021 until 2023). Most recently, she returned to the management side of the corporate environment joining General Catalyst as Vice Chair and Head of Growth (January 2026). From April 2012 to September 2013, Dr. Sands served as group managing director, head of change leadership and a member of the wealth management Americas executive committee of UBS Financial Services, a global financial services firm. Prior to that, from April 2010 to April 2012, Dr. Sands was group managing director and chief operating officer of UBS Wealth Management Americas at UBS Financial Services, and from October 2009 to April 2010, Dr. Sands was a transformation consultant at UBS Wealth Management Americas. Prior to joining UBS Financial Services, Dr. Sands was managing director, head of transformation management at Citigroup N.A.'s global operations and technology organization. Dr. Sands also held several leadership positions with RBC Financial Group and the Canadian Imperial Bank of Commerce (CIBC). Dr. Sands holds a Bachelor's of Science in Physics and Applied Mathematics and a Doctoral Degree in Atomic and Molecular Physics, both from The Queen's University of Belfast, Northern Ireland, and a Master's of Science in Public Policy and Management from Carnegie Mellon University. She is also a former James Wei Visiting Professor in Entrepreneurship at Princeton University.

Douglas Mauro Leone is a member of our Board of Directors, a position he has held since 2016. He has also been a member of our Compensation and People Committee since July 2021. Doug is a Partner at Sequoia Capital, which he joined in 1988 and became Partner in 1993. At Sequoia, from 2012 to 2022, he served as its Global Managing Partner, and from 1996 to 2012 he served as Co-Head of the Partnership. Doug also serves on the board of directors of [24]7, Cresta, Cyera, Island.io, Sequoia Heritage, Soley Pharmaceutical, StrongDM, Trade Republic, Wiz, and Zafran. Before Sequoia, Doug began his career in tech at Sun Microsystems, Hewlett-Packard, and Prime Computer. He holds a Bachelor's of Science in Mechanical Engineering from Cornell University, a Master's of Science in Industrial Engineering from Columbia University, and a Master's of Science in Management from the Massachusetts Institute of Technology.

Jacqueline Dawn Reses is a member of our Board of Directors, a position she has held since March 2021. She has also been the Chair of our Compensation and People Committee since July 2021, and acted as a member of our Audit and Risk Committee from June 2021 until December 2023. She is the current Chairwoman and Chief Executive Officer of Lead Bank (since October 2021) and most recently served as executive chair of Square Financial Services LLC and capital lead at Block, Inc. (Square, Inc.), a publicly traded financial services company, from October 2015 to October 2020. From February 2016 to July 2018, she also served as people lead at Square, Inc. From September 2012 to October 2015, she served as chief development officer of Yahoo! Inc. Prior to Yahoo, she led the U.S. media group as a partner at Apax Partners Worldwide LLP, a global private equity firm, which she joined in 2001. She serves on the board of directors of Affirm and TaskUs. She holds a Bachelor's of Science in Economics with honors from the Wharton School of the University of Pennsylvania.

Livia Martines Chanes is the Chief Executive Officer for Brazil, a position she has held since January 22, 2024, responsible for the company's Brazilian Operations. She started at Nubank in 2020 as Vice President of products. Before that, she worked at Banco Itau in multiple technology driven businesses from 2015 until 2020, and at McKinsey consulting from 2005 until 2015, as a partner in the Sao Paulo office. She holds a Bachelor's degree in Engineering from the Escola Politecnica of the University of Sao Paulo and a Master's degree from Ecole Nationale des Ponts et Chaussees, Paris. She also holds an MBA from INSEAD.

Guilherme Marques do Lago is our Chief Financial Officer, a position he has held since February 2021, and served as our vice president of finance from March 2019 to February 2021. From April 2006 to March 2019, he served in various positions at the Credit Suisse Group AG, including as managing director in its investment banking group. He also previously worked at McKinsey & Company from 2005 to 2006. He holds a Bachelor's of Science in Industrial Engineering from Escola Politecnica da Universidade de Sao Paulo and a Master's in Business Administration from the Harvard Business School.

Roberto de Oliveira Campos Neto is our Executive Vice-Chairman and Global Head of Public Policy, having joined Nu in July 2025. He has a solid career in the financial sector for over two decades, having worked for Banco Santander, Claritas Investments, and Bozano Simonsen. He is especially recognized for his role in the public sector as President of the Central Bank of Brazil between 2019 and 2024. In this position, he was responsible for advancements in digitalization, such as the implementation of the instant payment method Pix, the launch of Open Finance, and the creation of DREX (the digital Real). He has been awarded multiple times locally and internationally for his work to curb inflation, modernize the financial system, combat climate change, and for international collaboration. Roberto is also a member of the Board of the World Economic Forum and a Senior Fellow at the Milken Institute. He holds a Bachelor's Degree and a Master's Degree in Economics from the University of California-Los Angeles (UCLA).

Henrique Camossa Saldanha Fragelli is our Chief Risk Officer, a position he has held since 2018. He is responsible for our financial and non-financial risks. He is in charge of all our risk related activities, including credit risk, market and liquidity risk, stress testing, model risk, operational and IT risk, conduct risk, and anti-money laundering teams. Before joining us in 2018, he was the global head of traded portfolio analytics at HSBC Bank PLC, based in London, from August 2015 to June 2018 and the head of traded risk analytics for Latin America at HSBC Brasil S.A. from July 2013 to August 2015. He also worked at WestLB as a risk director, based in London, from April 2012 to July 2013 and for LCH. Clearnet from October 2007 to April 2012. He holds a Bachelor of Arts in Economics from Universidade de Sao Paulo and a Master of Business Administration in Finance from the Ecole des Hautes Etudes Commerciales de Paris (HEC Paris).

Cristina Helena Zingaretti Junqueira is our Co-Founder and Chief Growth Officer of the Group since August 2022. In addition to her group-wide responsibilities, she is currently dedicated to the development of Nu's future banking operations in the United States, a project she is expected to lead as CEO upon its launch. Before founding Nu in 2013, she worked for several years at Itau Unibanco S.A. with consumer credit, card products and marketing. She was recently featured in the Financial Time's 25 Most Influential Women for the year of 2024. Cristina holds an Engineering Bachelors degree and a Masters degree from Universidade de Sao Paulo (USP), and also an MBA from Northwestern University's Kellogg School of Management.