CEOInterviews.AI
Start App
Try: AI strategy tariffs earnings guidance layoffs interest rates growth

Cristina Junqueira

Co-Founder, Chief Growth Officer and US CEO, Nu Holdings Ltd. (Nubank)

Search every verified Cristina Junqueira interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Cristina Junqueira, co-founder and US CEO of Nu Holdings (Nubank), appeared in a Nu Videocast on September 14, 2026, alongside CEO David Vélez to discuss the company's expansion into the United States and the launch of Nu Global, a multi-currency digital account. Junqueira described the launch as a "special moment" that was "years in the making," while noting that the company now faces a "new start line" with customers to serve. She mentioned that Nubank received conditional approval from the Office of the Comptroller of the Currency (OCC) in late 2025 and is working toward operating under its own bank charter. Junqueira identified existing Nubank customers from Brazil, Mexico, and Colombia who have moved to the US as a key target group, citing their familiarity with the company and frustrations with local banking bureaucracy and fees. She also discussed Nubank's broader thesis on financial services, framing the company's work around problems of access, cost, and intelligence, and noted that over 40 million people in Brazil and Mexico obtained their first bank account through Nubank.

Recent appearances

Notable quotes

“So again, taking a step back, I think the big problems in financial services, and the way we think about them internally at Nubank, are problems around access, cost and intelligence. And in countries like Latin American countries, where you have 260 million people unbanked, there is a clear pain point around the access aspect. And that's what we've been able to solve in countries like Brazil and Mexico, where over 40”

“So it might feel like a sudden announcement, but in reality it’s one part of a thesis we have been executing for over 13 years. If you go back and you look at our seed deck, the thesis and the idea that we always thought about Nu is that, the same way technology companies disrupted and changed every other industry around the world because they found problems that were common to so many other countries, the same thing”

“There's one figure that we're always blown away by: in the next five years, the U.S. financial services market is going to grow the size of a Brazil.”

“We went for the gold standard of banking charters, which is a federal national bank charter with the OCC, because we know how important it is for us to embrace regulation and make sure regulators are very aware and comfortable with our business model. It also allows us much more flexibility in terms of what we can offer.”

“One aspect of success for this partnership is that together we can tap into this passion point that is soccer for many fans who align with the younger, more affluent demographic we want to attract and start building the love brand we want to be for Americans.”

“We just got conditional approval from the OCC to start a federally chartered bank here in the U.S., so we have to open the doors of such bank within the next 14 to 16 months.”

Other executives at Nu Holdings Ltd. (Nubank)

  • David Velez, Founder, Chief Executive Officer and Chairman

The summary and quote tags on this profile are produced with AI assistance from verified, first-person interview transcripts, then checked by our team to confirm the speaker's identity and the accuracy of every quote. See how we verify →