About Us

Nu is one of the largest digital financial platforms in the world, with more than 122 million customers across Brazil, Mexico, and Colombia. Guided by our mission to fight complexity and empower people, we are redefining financial services in Latin America and this is still just the beginning of the purple future we're building.

Listed on the New York Stock Exchange (NYSE: NU), we combine proprietary technology, data intelligence, and an efficient operating model to deliver financial products that are simple, accessible, and human.

Our impact has been recognized by global rankings such as Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Bank. Visit our institutional page https://international.nubank.com.br/careers/  

About the role

At AI Core, we are scaling the impact of our AI initiatives to become the primary driver of Nubank’s most critical decision systems. We are seeking  Machine Learning Engineers to lead high-impact research projects that bridge the gap between state-of-the-art AI and production-grade financial systems. You will be responsible for solving complex, ambiguous problems using Deep Learning and Foundation Models, ensuring our architectures are scalable, efficient, and driving measurable business results.

As an Machine Learning Engineer (MLE), you’re expected to:

1. Research Execution & Technical Leadership (Complexity & Autonomy)

• Lead and execute complex applied research initiatives independently, focusing on building and optimizing architectures (e.g., Transformers, GNNs) that can be deployed across critical use cases like Credit, RecSys, GenAI, and real-time inference.
• Address difficult and ambiguous modeling problems that require coordination across various stakeholders (Data, Infra, Product), delivering innovative solutions with a clear focus on medium-term impact.
• Bridge the gap between research and production by designing architectures that respect MLOps constraints, ensuring models are optimized for latency, interpretability, and cost-efficiency.

1. Strategic Impact & Collaboration (Impact)

• Develop and deliver innovative solutions that address project-level challenges, focusing on pushing the latest platform and AI research improvements into downstream production models.
• Actively participate in cross-functional collaborations, ensuring that research outputs are seamlessly integrated into Nubank's decision-making engines.
• Establish technical standards within the AI Core team for experimentation, model evaluation, and code quality, inspiring peers to raise their performance.

1. Mentorship & Function Contribution (Function Contribution)

• Serve as a technical mentor for senior engineers and researchers, providing guidance on deep learning fundamentals, problem formulation, and research methodology.
• Actively contribute to the function's growth by participating in mandatory activities like hiring (interview panels) and leading internal task forces to improve our ML lifecycle.
• Contribute to thought leadership by participating in research collaborations or internal papers that align with Nubank’s strategic goals.

What are we looking for?

• Professional Experience: 5-7+ years in applied AI/ML, with a proven track record of delivering research-driven systems into production environments
• Technical Mastery:
  • Deep expertise in Deep Learning architectures (Transformers, Multimodal, or GNNs).
  • Strong coding skills in Python and proficiency with frameworks like PyTorch, JAX, or TensorFlow.
  • Solid understanding of MLOps and the constraints of deploying models at scale.
• Problem Solving: Sophisticated skills in ML problem formulation and the ability to navigate uncertainty when data is messy or unavailable.
• Communication: Ability to communicate complex technical concepts to both technical peers and cross-functional stakeholders, ensuring alignment and buy-in.
• Analytical Capacity: Experience with large-scale experimentation and A/B testing to validate research hypotheses.

Our Benefits

• Opportunity of earning equity at Nu
• Total compensation includes base salary, RSUs and benefits. Base salary range: $230k - $345k
• Medical Insurance
• Dental and Vision Insurance
• Life Insurance and AD&D
• Extended maternity and paternity leaves 
• Nucleo - Our learning platform of courses
• NuLanguage - Our language learning program
• NuCare - Our mental health and wellness assistance program
• Extended maternity and paternity leaves 
• 401K
• Saving Plans - Health Saving Account and Flexible Spending Account
• Work-from-home Allowance
• Relocation Assistance Package, if applicable.

Role Location

Palo Alto, California
Hybrid 2-3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/ 

About us

Nu was born in 2013 with the mission to fight complexity to empower people in their daily lives by reinventing financial services. We are one of the world’s largest digital banking platforms, serving millions of customers across Brazil, Mexico, and Colombia. For more information, visit our institutional page https://international.nubank.com.br/careers/

Data Science at Nubank

Data Science is essential to every part of the business at Nubank, since Day 1. Most areas of the company use data science to some extent. Data Scientists are responsible for translating business needs into models and other types of data-driven solutions.

As a Data Scientist, you’re expected to

• Interact with other team members to understand how to best apply data science and artificial intelligence to Nubank’s problems;
• Investigate problems and discover insights through exploratory data analysis and other quantitative methods;
• Have great numerical and analytical literacy, including knowledge of statistics and linear algebra as needed;
• Work on multiple stages of the ML model lifecycle–from ideation to training and steady-state operation;
• Work across multiple types of models, algorithms and learning paradigms;
• Communicate technical points, decisions and tradeoffs to peers and stakeholders;
  
  

Our ideal candidate

• Has experience working with ML models in a production environment;
• Understands possible pitfalls and tradeoffs when applying ML to real-word, sometimes messy problems;
• Is familiar with the technical aspects of learning theory and algorithms and is able to discuss details if needed;
• Has experience working with the Python scientific stack (Numpy, Pandas, Scipy, Sklearn, Boosted Tree Libraries, etc);
• Has experience working with Tensor/Deep Learning libraries such as Tensorflow and Pytorch;
• Is able to connect analytical outcomes to business priorities and advise stakeholders on the best course of action;
• Has good communication skills and is able to convey technical topics and decision points to diverse audiences;
• Has experience writing general-purpose code using modern tools;
• Understands the implications of causality when applying ML to problems;
• Is up-to-date with recent developments in the area as a whole and is able to identify opportunities for improvement and innovation;
  
  

Our Benefits

• Chance of earning equity at Nubank
• Food/ Meal Card (Vale-Refeição and/or Vale Alimentação)
• Public Transportation Commuting Benefit (Vale-Transporte)
• NuCare – Psychological, Financial and Legal Assistance Program
• Life Insurance
• Medical Plan
• Dental Plan
• NuLanguage – Language Course Program
• Nucleo - Our learning platform of courses
• Extended Parental Leave
• Daycare Allowance
• Parental Consultancy
• Work-from-home Allowance
• Gym Partnerships
• 30 days of paid vacation
  
  

Work Model for this Role

Hybrid 2-3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/

About us

Nu was born in 2013 with the mission to fight complexity to empower people in their daily lives by reinventing financial services. We are one of the world’s largest digital banking platforms, serving millions of customers across Brazil, Mexico, and Colombia. For more information, visit our institutional page https://international.nubank.com.br/careers/

ML Engineering at Nubank

Data Science is essential to every part of the business at Nubank, since Day 1. Most areas of the company use data science to some extent. ML Engineers are key to connecting ML models and ML-enabled systems to the rest of our infrastructure, while making sure that they work properly, delivering value to our customers. 

As a Machine Learning Engineer, you’re expected to

• Interact with other team members to understand how to best apply data science and artificial intelligence to Nubank’s problems;
• Help monitor and maintain models and ML systems, making sure they are working well as measured by performance, operational and business metrics;
• Help deploy ML models both in batch and real-time scenarios. This may include building pipelines, constructing features and integrating models to other systems;
• Help build and maintain tooling and platforms to scale operations across multiple teams; 
• Be familiar with modeling and statistics concepts;
  
  

Our ideal candidate

• Has extensive programming experience and is familiar with modern development techniques;
• Has experience creating, deploying and maintaining ML models and ML-enabled systems using modern frameworks;
• Understands the most common failure modes in ML-enabled systems and knows how to avoid and/or mitigate those; 
• Is familiar with all stages of the ML model lifecycle, from inception to deployment and steady-state operation;
• Is familiar with cloud-based services from vendors such as AWS, GCP and Azure.
• Is familiar with software engineering and architecture principles and how they enable sustainable and maintainable systems;
• Is familiar with data engineering routines, pipelines and job scheduling frameworks;
• Is able to navigate complex mathematical and analytical environments when needed;
  
  

Our Benefits

• Chance of earning equity at Nubank
• Food/ Meal Card (Vale-Refeição and/or Vale Alimentação)
• Public Transportation Commuting Benefit (Vale-Transporte)
• NuCare – Psychological, Financial and Legal Assistance Program
• Life Insurance
• Medical Plan
• Dental Plan
• NuLanguage – Language Course Program
• Nucleo - Our learning platform of courses
• Extended Parental Leave
• Daycare Allowance
• Parental Consultancy
• Work-from-home Allowance
• Gym Partnerships
• 30 days of paid vacation
  
  

Work Model for this Role

Hybrid 2-3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/

About Us

Nu is one of the largest digital financial platforms in the world, with more than 127 million customers across Brazil, Mexico, and Colombia. Guided by our mission to fight complexity and empower people, we are redefining financial services in Latin America and this is still just the beginning of the purple future we're building.

About the Role
AI Platform Team - The mission of the AI Platform team is bold: to democratize AI by empowering every Nubanker—not just Data Scientists—with safe, scalable, and accurate Machine Learning capabilities.

We are looking for a Manager who is passionate about creating solutions that push the boundaries of our current stack. You will help us move beyond basic DS work to abstract the complexities of the entire ML lifecycle—from training and deployment to serving and governance.

Why is this role open?
We are scaling. Currently, our structure has grown significantly, and to ensure the organization's health and the growth of our engineers, we are opening this position to lead a dedicated squad. You will take ownership of a team that manages the base infrastructure for the entire Data Science function at Nubank.

You'll be responsible for:
As the ML Manager for the AI Platform, you will combine technical leadership with people management. You will lead a squad of 11 Machine Learning Engineers (varying from Senior to Intern levels) and work closely with a Staff ML Engineer and a Product Manager.

• People Management: Foster a culture of feedback and growth. You will guide the development of your direct reports, conducting performance reviews and helping them navigate their careers.
• Strategic Roadmap: Translate high-level business goals into actionable technical roadmaps. You will discuss needs with stakeholders and define the "how" and "when."
• Architecture & Innovation: Explore architecture gaps and opportunities. You won't just maintain; you will challenge the team to explore complex features like scalable parallel processing and better UX for Data Scientists.
• Execution: Conduct initiatives with autonomy and diligence, ensuring we deliver value while maintaining high engineering standards.
  
  

Nubank already has well-established tools for basic Data Science work. Your challenge is to take us to the next level. You will push the frontiers of technology to handle massive scale, integrate with multiple complex systems, and democratize access to AI tools across the company.

What we are looking for
You don't need to be a hands-on coder 100% of the time, but you must have the technical depth to challenge the team and understand the ecosystem.

• Experience in Leadership: You have experience managing high-performing engineering teams, sharing feedback, and hiring/developing talent.
• Domain Expertise: Solid background in ML Engineering, AI, or Data Science, specifically with a focus on MLOps, Infrastructure, and Platform building.
• Tech Stack Familiarity: You are comfortable discussing and architecting systems involving Kubeflow, SageMaker, and Databricks.
• The "Builder" Mindset: You enjoy building software. You want autonomy to make decisions and explore edge technologies, similar to the engineering culture found in Big Tech

Our Benefits

• Chance of earning equity at Nubank
• Food/ Meal Card (Vale-Refeição and/or Vale Alimentação)
• Public Transportation Commuting Benefit (Vale-Transporte)
• NuCare – Psychological, Financial and Legal Assistance Program
• Life Insurance
• Medical Plan
• Dental Plan
• NuLanguage – Language Course Program
• Nucleo - Our learning platform of courses
• Extended Parental Leave
• Daycare Allowance
• Parental Consultancy
• Work-from-home Allowance
• Gym Partnerships
• 30 days of paid vacation
• Relocation Assistance Package, if applicable

Work Model for this Role

Hybrid 2-3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/

About Us

Nu was born in 2013 with the mission to fight complexity to empower people in their daily lives by reinventing financial services. We are one of the world’s largest digital banking platforms, serving millions of customers across Brazil, Mexico, and Colombia.

About the role

We are seeking an enthusiastic and driven Data Scientist to join our Credit Strategy team. This role focuses on applying innovative machine learning methodologies to our risk model and developing causal machine learning approaches for the initial line assignment workflow.

You will be responsible for

• Translate business challenges into specific and well-designed machine learning solutions that meet business requirements;
• Integrate and leverage external data sources to feed our models;
• Ensure the team maintains a high level of technical excellence;
• Contribute to a technical culture in the local team.
• Bring expertise to the team to help design projects across the many areas involved in building machine learning products (training, deployment, data consistency, monitoring, governance, etc.)

We are looking for a person who has

• Strong coding skills Python/Scala or equivalent languages;
• Experimental design skills;
• Ability to interact and communicate effectively with business and engineering;
• Good understanding of model development and deployment pipeline;
• Experience with machine learning tools and libraries such as Scikit-learn, Mllib and etc;
• Nice data handling skills, Spark Dataframes, or SQL proficiency is a plus;
• English language proficiency.

Local Benefits 

• Chance of earning equity at Nubank
• Extended maternity and paternity leaves
• Health and life insurance
• NuCare - Our mental health and wellness assistance program
• Nucleo - Our learning platform of courses
• NuLanguage - Our language learning program
• Gym partnership

Diversity & Inclusion

At Nu, we want to be sure that we're building a more diverse and inclusive workplace that reflects the customers we serve and seek to empower. That's why we hire based on equality. We consider gender, ethnicity, race, religion, sexual orientation, and other identity markers as enriching elements to our company while ensuring neither of them represent a barrier when recruiting fantastic talent.

About Us

Nu was born in 2013 with the mission to fight complexity to empower people in their daily lives by reinventing financial services. We are one of the world’s largest digital banking platforms, serving millions of customers across Brazil, Mexico, and Colombia.

About the role

At AI Core, we are scaling the impact of our AI initiatives to become the primary driver of Nubank’s most critical decision systems. We are seeking an Lead Machine Learning Engineer (Applied AI Scientist) to lead high-impact research projects that bridge the gap between state-of-the-art AI and production-grade financial systems. You will be responsible for solving complex, ambiguous problems using Deep Learning and Foundation Models, ensuring our architectures are scalable, efficient, and driving measurable business results.

As an Applied AI Scientist (MLE), you’re expected to:

1. Research Execution & Technical Leadership (Complexity & Autonomy)

• Lead and execute complex applied research initiatives independently, focusing on building and optimizing architectures (e.g., Transformers, GNNs) that can be deployed across critical use cases like Credit, RecSys, GenAI, and real-time inference.
• Address difficult and ambiguous modeling problems that require coordination across various stakeholders (Data, Infra, Product), delivering innovative solutions with a clear focus on medium-term impact.
• Bridge the gap between research and production by designing architectures that respect MLOps constraints, ensuring models are optimized for latency, interpretability, and cost-efficiency.

1. Strategic Impact & Collaboration (Impact)

• Develop and deliver innovative solutions that address project-level challenges, focusing on pushing the latest platform and AI research improvements into downstream production models.
• Actively participate in cross-functional collaborations, ensuring that research outputs are seamlessly integrated into Nubank's decision-making engines.
• Establish technical standards within the AI Core team for experimentation, model evaluation, and code quality, inspiring peers to raise their performance.

1. Mentorship & Function Contribution (Function Contribution)

• Serve as a technical mentor for senior engineers and researchers, providing guidance on deep learning fundamentals, problem formulation, and research methodology.
• Actively contribute to the function's growth by participating in mandatory activities like hiring (interview panels) and leading internal task forces to improve our ML lifecycle.
• Contribute to thought leadership by participating in research collaborations or internal papers that align with Nubank’s strategic goals.

What are we looking for?

• Professional Experience: 5-7+ years in applied AI/ML, with a proven track record of delivering research-driven systems into production environments
• Technical Mastery:
  • Deep expertise in Deep Learning architectures (Transformers, Multimodal, or GNNs).
  • Strong coding skills in Python and proficiency with frameworks like PyTorch, JAX, or TensorFlow.
  • Solid understanding of MLOps and the constraints of deploying models at scale.
• Problem Solving: Sophisticated skills in ML problem formulation and the ability to navigate uncertainty when data is messy or unavailable.
• Communication: Ability to communicate complex technical concepts to both technical peers and cross-functional stakeholders, ensuring alignment and buy-in.
• Analytical Capacity: Experience with large-scale experimentation and A/B testing to validate research hypotheses.

Our Benefits

• Chance of earning equity at Nubank
• Food/ Meal Card (Vale-Refeição and/or Vale Alimentação)
• Public Transportation Commuting Benefit (Vale-Transporte)
• NuCare – Psychological, Financial and Legal Assistance Program
• Life Insurance
• Medical Plan
• Dental Plan
• NuLanguage – Language Course Program
• Nucleo - Our learning platform of courses
• Extended Parental Leave
• Daycare Allowance
• Parental Consultancy
• Work-from-home Allowance
• Gym Partnerships
• 30 days of paid vacation
• Relocation Assistance Package, if applicable

Work Model for this Role

Hybrid 2-3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/