---
title: "Nubank CFO Livingston flags disciplined approach to US expansion in first public interview"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/295121158.md"
description: "Nubank CFO Rob Livingston emphasized a disciplined approach to US expansion, capping entry spending at 100 basis points of the efficiency ratio over two years. The company maintains credit growth constraints tied to profitability hurdles and utilizes AI to accelerate model development. OCC national bank approval is expected within 18 months."
datetime: "2026-08-06T14:52:24.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/295121158.md)
  - [en](https://longbridge.com/en/news/295121158.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/295121158.md)
generator: "portal-rs"
---

# Nubank CFO Livingston flags disciplined approach to US expansion in first public interview

-   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. \* Nu said its proprietary nuFormer AI models cut credit model development to about seven days from roughly three months, with human review retained. \* 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. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Nu Holdings Ltd. published the original content used to generate this news brief on August 06, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT) Original Document: here

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**