About Us

Nubank was founded in 2013 to free people from a bureaucratic, slow and inefficient financial system. Since then, through innovative technology and outstanding customer service, the company has been redefining people's relationships with money across Latin America. With operations in Brazil, Mexico, and Colombia, Nubank is today one of the largest digital banking platforms and technology-leading companies in the world. Nubank was listed on the NYSE in 2021 and was recently named one of Time Magazine's 100 Most Influential Companies. For more information, visit www.nu.com.br.

About the Role

At Nubank, our Credit Card platform is the core of our global expansion. We are looking for a Staff Engineer to join our platform team as a technical anchor, ensuring our systems remain scalable and flexible as we maintain sustainable growth and innovation in the countries where we currently operate, while also launching into new international markets. You will play a vital role in evolving the architecture of one of our most complex and strategic products.

You will operate within a high-impact triad alongside Product and Management, focusing on long-term technical strategy and system health. As a hands-on technical leader, you will challenge the status quo, propose innovation and solve deep architectural problems, mentor and become a technical reference for our engineering team. Your work will directly enable millions of customers to access financial products via credit card worldwide.

Responsibilities

• Define and drive the long-term vision and strategy for the global architecture of the core credit card platform, ensuring exponential scalability and continuous evolution capability.
• Lead the strategic partnership with Product and Business leadership (C-level and VPs) to shape the medium and long-term technical roadmap and define the strategic OKRs and global impact KPIs.
• Act as a technical and cultural reference, defining the highest standards of engineering excellence, mentoring other Architects and Principal/Staff Engineers, and fostering a culture of innovation and accountability.
• Lead and resolve the most ambitious and high-risk technical challenges, intervening in critical performance or resilience bottlenecks and driving technical execution for solutions with multi-system and multi-country impact.
• Design and oversee the execution of complex system transformations (e.g., core banking migrations, replacement of legacy platforms) ensuring regulatory compliance in multiple jurisdictions and fiscal regimes, proactively mitigating risks.
• Communicate and defend the technical strategy eloquently and convincingly to the executive board and non-technical audiences, translating architecture decisions into business value and competitive advantage.

Required Qualifications

• Principal/Staff Engineer level experience or equivalent with an extensive and demonstrable history in architecting and scaling mission-critical, high-volume, and low-latency systems in global fintech or e-commerce environments.
• Expert proficiency (demonstrated in code and design) in multiple programming paradigms, with significant hands-on experience in functional programming (e.g., Clojure, Scala, Haskell) and reactive/event-based architectures.
• Proven ability to establish and lead the long-term technical strategy for entire platform ecosystems (not just isolated components), influencing the direction of multiple engineering groups.
• Deep and successful experience in navigating and defining the architecture in highly regulated financial environments (e.g., BACEN, FCA, SOX) and designing systems to meet data residency requirements and complex cross-border transactions.
• History of successfully leading and completing large-scale platform transformations (e.g., transition from monoliths to microservices mesh, migration of data centers or clouds), managing risks and operational impact.
• In-depth knowledge of credit card/payment systems design is a significant differential.

Nice to Have

• Experience with Clojure or similar functional languages.
• Proven interest or experience in leveraging AI to optimize engineering workflows.
• Deep domain knowledge of credit card processing or financial ledgers.

Location & Work Model

This role is based on a hybrid model at one of our Nubank offices in Brazil (São Paulo, Campinas, Rio de Janeiro, or Belo Horizonte), the United States (Palo Alto, Durham, Washington D.C. or Miami), or Canada (Toronto).

Location-Specific Disclosures

Total compensation includes base salary, RSUs and benefits.
Toronto base salary range (CAD): $192.000 - $288.000
Palo Alto base salary range (USD): $230.400 - $288.000

Diversity & Inclusion / Equal Opportunity

At Nubank, we believe that diversity is essential to building the best products and services. We are committed to creating a welcoming work environment that respects and values diversity in all its forms, and we encourage people from all backgrounds to apply. We are proud to be an equal opportunity employer and do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

If you need accommodations during the application or interview process, please let us know.

This offer is conditional on meeting all applicable regulatory eligibility requirements and successful completion of background checks.

Opportunity

We are hiring a Senior Staff or Principal Engineer to support driving the technical vision and execution for Nubank’s Digital Ecosystem division, with initial focus on NuPay, Ads & Rewards and Insurance. This is a division‑level leadership role: you will work with exceptional engineers (including staff engineers), lead cross‑org architectural decisions, negotiate trade‑offs with product/finance/legal, and enable scalable delivery of high‑impact products (checkout & wallet, advertiser platform and benefits hub, and 1‑click insurance products).

2026's vision and (how this role contributes) 

In 2026 we will transform the Digital Ecosystem into a place where customers discover advantages, pay effortlessly and feel protected, and where merchants grow through data‑driven integrated partnerships. Our priorities are: (1) elevating app quality, (2) deepening customer engagement with contextual and personalized experiences, (3) making Nubank the preferred payments partner and growth engine for merchants, and (4) ensuring scalable, compliant, and financially healthy foundations. This role will own the technical plan to deliver that vision across NuPay, Ads & Rewards and Insurance.

Mission design and operationalize the 2–3 year technical end‑state for the Digital Ecosystem so that:

• NuPay scales to become the de facto checkout and wallet for Nubank customers (TPV ×2 by Dec/26; wallet >3M MAU),
• Ads & Rewards delivers the Advantages Tab, a performant advertiser platform and Ads POC with merchants, and drives material ecosystem revenue,
• Insurance launches and scales high‑quality one‑click complements (Mobile Insurance Relaunch, Pix Protegido evolution), while maintaining aggressive SLOs, strong observability, controlled TCO and an elevated engineering culture.

Core responsibilities

• Support defining the division’s technical end‑state (2–3 years): architecture, shard/partition strategy, migration path (one‑stack) and explicit trade‑offs (cost × latency × availability).
• Co-own availability and performance: set SLIs/SLOs, error budgets, runbooks, incident playbooks and an observability strategy that supports merchants with strict SLAs.
• Support Ads & Rewards platform design: advertiser platform (audience & campaign management), decision/bidding service, real‑time vs batch decisioning, measurement & attribution (ROAS/incrementality), and minimise impact on app UX.
• Drive NuPay ↔ Ads integration for aspirational purchases: real‑time underwriting, multi‑source funding, take‑rate modelling, card‑on‑file / wallet flows and onboarding for flagship merchants.
• Enable Insurance delivery: technical enablement for one‑click products, partner integration and governance (e.g., Chubb), migration to subscription/billing platform where applicable, and app quality improvements (TTFD, dashboards, NPS).
• Support one‑stack discovery and phased migration: balance platformization with pragmatic delivery and tech‑debt management to avoid blocking growth.
• Catalyse product quality culture: introduce and operationalize Product Quality Reviews, drive app excellence rituals, and ensure UX/technical quality are considered across the product lifecycle.
• Mentor and grow engineering leaders and staff engineers; run RFCs, tech talks and post‑mortems; design career paths and enable managers to deliver cross‑BU initiatives.
• Represent the division in cross‑org negotiations and external partner discussions (merchants, partners, regulators), aligning stakeholders and escalating risks proactively.
• Track and report technical impact against business metrics and engineering health indicators.

Key business & engineering metrics you will influence

• NuPay: TPV growth (2× by Dec/26), wallet MAU (>3M), share‑of‑checkout (SoC), p99 latency and availability for merchant traffic.
• Ads & Rewards: ad revenue targets (material ecosystem revenue), ROAS / iROAS / incrementality, CTR, Ads POC results (≥2 merchants), Advantages Tab / Shelves Platform launch.
• Insurance: one‑click complements GWP target (R$493M EOY), product NPS (>60 targets), churn reduction via billing/tolerance changes.
• Engineering health: Engineering Stability Index (ESI), App Quality Score, incident frequency/severity, time to integrate new partners.

Challenges and opportunities (what you’ll own)

• World‑class app quality & Magic App MVP: raise engineering and product expectations, and deliver first‑layer Magic App experiences (Advantages Tab, widgets, contextual flows such as AIPB).
• Real‑time decisioning and aspirational financing: enable low‑latency ads decisioning and NuPay real‑time underwriting for extended financing while preserving app performance.
• One‑click Insurance at scale: deliver MIR (no IMEI) and Pix Protegido evolution, dedicating energy to one‑click complements and partnering with Chubb while retaining monitoring/control.
• Capture offline transactions: accelerate NuPay NFC wallet adoption as an offensive play to reach ~3M MAU and increase offline SoC.
• Platform & compliance foundations: complete SPB integration, advance One‑Stack Project, meet Magic App and regulatory mandates, and ensure resilient, cost‑effective infra.

What you’ll find in the team

• High‑calibre engineers, including staff engineers and experienced engineering managers.
• Complex, high‑impact problems at scale: large merchant integrations, real‑time decisioning, strict SLOs and multi‑partner dependencies.
• Autonomy to shape architecture, product quality rituals and the division roadmap, plus the responsibility to align delivery across product, infra, legal and commercial stakeholders.

What you’ll navigate

• Heavy cross‑BU dependencies (Global Platforms, Nubank+, UV, Marketing) requiring strong stakeholder orchestration.
• Regulatory changes (SPB/BCB) that may force re‑architecture or open‑scheme decisions.
• Dependence on third‑party vendors (wallet SDKs, insurance partners) and partner infra limitations.
• Balancing rapid commercialization and monetization with fraud/credit loss control and sustainable unit economics.
• Trade‑offs between accelerating one‑stack migration and accepting short‑term technical debt to preserve delivery velocity.

Sr Staff Software Engineer - CC Core Platforms

About Nubank
Nu is the world’s largest digital banking platform outside of Asia, serving over 123 million customers across Brazil, Mexico, and Colombia. The company has been leading an industry transformation by leveraging data and proprietary technology to develop innovative products and services. Guided by its mission to fight complexity and empower people, Nu caters to customers’ complete financial journey, promoting financial access and advancement with responsible lending and transparency. The company is powered by an efficient and scalable business model that combines low cost to serve with growing returns. Nu’s impact has been recognized in multiple awards, including Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks. The Company is preparing for its next growth cycle where it will accelerate its internationalization process outside Latin America, and will also enter new verticals beyond financial services in its core markets taking advantage of the significant customer penetration.

Nubank History Video
Check out our Blog About Nu 

About the role
We are looking for a Senior Staff Software Engineer to lead the technical evolution of our Credit Card platform. This is not a traditional maintenance role. You will be the architect of a profound transformation: leveraging Generative AI to automate complex operational tasks and orchestrating the global migration from our current systems to a unified, future-proof architecture. You will be a key partner to the Engineering Leadership and a reference for the entire engineering community.

Mission
Your goal is to design and operationalize a technical strategy that uses AI to increase operational efficiency while accelerating our global migration, ensuring:

• Intelligent Maintenance: Implementing AI agents to analyze tickets and crashes, automating resolutions for the global credit card environment.
• Seamless Migration: Leading the coexistence strategy between legacy and new platforms across Brazil, Mexico, and Colombia, ensuring data integrity and a flawless customer experience.
• Technical Excellence: Solving deep architectural bottlenecks in high-scale distributed systems and raising the bar for software design globally.

Core Responsibilities

• Migration Strategy: Define the long-term roadmap for decommissioning legacy systems, starting with the 1-year migration plan for the Colombian market.
• AI-Driven Engineering: Architect and integrate AI solutions (cloud-based agents) to automate infrastructure maintenance and data migration.
• Strategic Partnership: Collaborate with General Managers, PMs, and Staff+ ICs to align technical decisions with business needs across different countries.
• Mentorship & Culture: Mentor senior engineers, fostering a culture of pragmatism, excellence in distributed systems, and the adoption of cutting-edge AI tools.

Challenges & Opportunities

• Navigating Complexity: You will work on high-scale systems supporting millions of transactions where every decision impacts customer limits and billing.
• Modernizing the Core: You have the unique opportunity to make "legacy" systems attractive and efficient by applying AI to remove heavy operational toil.

Core Qualifications (What We’re Looking For)

• Proven Track Record: 15+ years of experience in software engineering, with a focus on large-scale distributed systems.
• Migration Mastery: Proven experience leading critical system migrations and managing coexistence between old and new architectures.
• AI Fluency: A strong interest or practical experience in using GenAI/LLMs to solve engineering productivity and data analysis challenges.
• Platform Mindset: Ability to design reusable APIs and contracts that serve multiple product teams with high reliability.
• Global Communication: Fluent English is required to collaborate across our global hubs (Brazil, US, Mexico, and Colombia).

About Us

Nubank was founded in 2013 to free people from a bureaucratic, slow and inefficient financial system. Since then, through innovative technology and outstanding customer service, the company has been redefining people's relationships with money across Latin America. With operations in Brazil, Mexico, and Colombia, Nubank is today one of the largest digital banking platforms and technology-leading companies in the world. Nubank was listed on the NYSE in 2021 and was recently named one of Time Magazine's 100 Most Influential Companies. For more information, visit www.nu.com.br.

About the Role

At Nubank, our Credit Card platform is the core of our global expansion. We are looking for a Staff Engineer to join our platform team as a technical anchor, ensuring our systems remain scalable and flexible as we maintain sustainable growth and innovation in the countries where we currently operate, while also launching into new international markets. You will play a vital role in evolving the architecture of one of our most complex and strategic products.

You will operate within a high-impact triad alongside Product and Management, focusing on long-term technical strategy and system health. As a hands-on technical leader, you will challenge the status quo, propose innovation and solve deep architectural problems, mentor and become a technical reference for our engineering team. Your work will directly enable millions of customers to access financial products via credit card worldwide.

Responsibilities

• Define and drive the long-term vision and strategy for the global architecture of the core credit card platform, ensuring exponential scalability and continuous evolution capability.
• Lead the strategic partnership with Product and Business leadership (C-level and VPs) to shape the medium and long-term technical roadmap and define the strategic OKRs and global impact KPIs.
• Act as a technical and cultural reference, defining the highest standards of engineering excellence, mentoring other Architects and Principal/Staff Engineers, and fostering a culture of innovation and accountability.
• Lead and resolve the most ambitious and high-risk technical challenges, intervening in critical performance or resilience bottlenecks and driving technical execution for solutions with multi-system and multi-country impact.
• Design and oversee the execution of complex system transformations (e.g., core banking migrations, replacement of legacy platforms) ensuring regulatory compliance in multiple jurisdictions and fiscal regimes, proactively mitigating risks.
• Communicate and defend the technical strategy eloquently and convincingly to the executive board and non-technical audiences, translating architecture decisions into business value and competitive advantage.

Required Qualifications

• Principal/Staff Engineer level experience or equivalent with an extensive and demonstrable history in architecting and scaling mission-critical, high-volume, and low-latency systems in global fintech or e-commerce environments.
• Expert proficiency (demonstrated in code and design) in multiple programming paradigms, with significant hands-on experience in functional programming (e.g., Clojure, Scala, Haskell) and reactive/event-based architectures.
• Proven ability to establish and lead the long-term technical strategy for entire platform ecosystems (not just isolated components), influencing the direction of multiple engineering groups.
• Deep and successful experience in navigating and defining the architecture in highly regulated financial environments (e.g., BACEN, FCA, SOX) and designing systems to meet data residency requirements and complex cross-border transactions.
• History of successfully leading and completing large-scale platform transformations (e.g., transition from monoliths to microservices mesh, migration of data centers or clouds), managing risks and operational impact.
• In-depth knowledge of credit card/payment systems design is a significant differential.

Nice to Have

• Experience with Clojure or similar functional languages.
• Proven interest or experience in leveraging AI to optimize engineering workflows.
• Deep domain knowledge of credit card processing or financial ledgers.

Location & Work Model

This role is based on a hybrid model at one of our Nubank offices in Brazil (São Paulo, Campinas, Rio de Janeiro, or Belo Horizonte), the United States (Palo Alto, Durham, Washington D.C. or Miami), or Canada (Toronto).

Diversity & Inclusion / Equal Opportunity

At Nubank, we believe that diversity is essential to building the best products and services. We are committed to creating a welcoming work environment that respects and values diversity in all its forms, and we encourage people from all backgrounds to apply. We are proud to be an equal opportunity employer and do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

If you need accommodations during the application or interview process, please let us know.

This offer is conditional on meeting all applicable regulatory eligibility requirements and successful completion of background checks.

Principal Engineer, Mobile Platforms

The Opportunity:

This position is for an Engineer Principal (IC9) to join the Mobile Platforms BU.

Mobile Platforms is the BU responsible for Nubank’s entire mobile foundation: we design, build, and operate the platforms that power the Nubank app across all markets. The BU is organized in three business areas – App Foundations (core architecture, app startup, developer experience), App Enablement (navigation performance, Backend Driven Content/BDC, design system infra & Rosetta), and App Release (CI/CD, release train, observability, app analytics & data). Together, these areas provide the canonical Flutter + BDC architecture, tooling, and guardrails that enable product teams to ship a fast, reliable, and consistent app at global scale.

About Nubank's Engineering Culture:

We believe in small, independent teams, a process-light environment, and a culture of trust and collaboration. We made a strategic bet on Flutter and Server-Driven UI not just for technical reasons, but because they empower our engineers to work end-to-end and scale our organization. You will be a key steward and champion of this culture, driving technical decisions that reinforce our principles of autonomy and developer empowerment.  

What we have to offer:

• The opportunity to lead the technical direction of Nubank’s Mobile Platform – the foundational system that underpins the Nubank app for tens of millions of customers across all markets.
• Ownership of multi‑year, high‑visibility initiatives such as Mobile Destination Architecture, native code deprecation, app startup refactor, navigation performance, BDC evolution and App Excellence, with clear impact on company OKRs.
• A uniquely cross‑cutting scope across App Foundations, App Enablement and App Release – spanning architecture, developer experience, CI/CD, observability and data – allowing you to shape how the entire engineering org builds mobile products.
• Space to grow your principal‑level leadership: driving strategy, defining technical roadmaps, sponsoring other senior/principal engineers, and representing Mobile Platforms in cross‑company forums and executive discussions.
• A highly collaborative environment with top mobile, platform and experience design talent, where you will partner closely with Magic App, NuDS, Growth and markets teams to deliver a world‑class, consistent and high‑performance app.

Core Qualifications (What We're Looking For)

• 15+ years of software engineering experience, with a proven track record of designing, building, and operating large-scale mobile applications or platforms at an enterprise level.
• Has deep expertise in mobile architecture (Flutter/Dart, native bridges, modularization, mono-repo architectures) and can design end‑to‑end solutions spanning app startup, navigation, state management, and release lifecycle.
• Understands and can evolve BDC (Backend Driven Content) as Nubank’s main server‑driven UI platform, defining how BDC, Flutter and NuDS work together to enable safe, fast iteration without depending on store releases.
• Is capable of setting the technical vision for the three Mobile Platforms business areas (App Foundations, App Enablement, App Release), connecting architecture choices with company‑level goals such as App Excellence, Magic App and Destination Architecture.
• Has a strong track record of leading large, ambiguous cross‑org initiatives – e.g., native‑to‑Flutter/BDC migrations, app startup refactors, navigation performance programs, or observability/analytics redesigns – influencing dozens of squads and multiple BUs.
• Drives platform engineering at scale: defines canonical patterns, RFCs and reference implementations; creates reusable tools/libraries; and ensures that internal customers can adopt the platform with low friction and high quality.
• Is comfortable leading through influence: aligning PMs, EMs, Staff/Principal engineers and leadership on trade‑offs (performance vs. flexibility, platform vs. product), and making tough calls grounded in data, risk and long‑term sustainability.
• Invests heavily in technical leadership and mentorship, raising the bar for senior engineers across Mobile Platforms and product BUs, and building a strong culture around architecture reviews, design docs, and post‑incident learning.
• Cares deeply about observability, reliability and release health for mobile: tying together app metrics (startup, TTFD, crashes, jank), CI/CD, feature rollout (BDC + app releases) and on‑call practices into a coherent strategy.
• Is motivated by working on a horizontal, high‑impact platform that directly shapes how every experience in the Nubank app is built, released and monitored, across Brazil, Mexico, Colombia and future markets.

If you feel interested in these challenges and want to work on a very engaged and talented team, this is the place for you!

Opportunity

We are hiring a Principal Engineer to drive architectural consistency and technical excellence for Nubank’s Global Credit Card division—our largest business unit. You will operate across core platforms and product areas to ensure we are building globally optimal solutions. This is a high-influence leadership role where you will align technical strategy with business General Managers to maximize the impact of our platform investments.

2026's Vision (and how this role contributes)

In 2026, the Credit Card division will focus on maturing our core platform to support massive scale while maintaining rapid product innovation. This role is the "downward force" that identifies efficient architectural patterns and pushes them across the organization. By sitting across multiple business areas, you will prevent technical silos and ensure that every engineering investment reinforces a unified, scalable global architecture.

Mission

Design and operationalize a horizontal technical strategy for the Credit Card division so that:

• Architectural Fragmentation is Minimized: Global patterns are identified and disseminated, preventing teams from solving the same problems in isolation.
• Platform Investments are Maximized: High-leverage solutions are pushed "down the stack" to provide efficiency for all product consumers.
• Business & Tech are Seamlessly Aligned: You act as a direct partner to General Managers, translating complex technical trade-offs into business-centric outcomes.

Core Responsibilities

• Drive Cross-Platform Impact: Identify opportunities for globally optimal outcomes across the division’s core platforms and consumer products.
• Architectural Pattern Leadership: Monitor diverse projects to find commonalities; build and disseminate architectural patterns that elevate the entire organization.
• Strategic Mission Strategizing: Maintain the flexibility to jump into urgent, high-stakes technical investigations or strategic missions as needed.
• Business Stakeholder Partnership: Work independently with General Managers to align technical roadmaps with commercial goals.
• Technical Mentorship & Culture: Act as a peer to engineering leadership, raising the bar and mentoring staff engineers on cross-functional thinking.
• Horizontal Execution: Unlike a "narrow and deep" expert, you will maintain a wide orientation to ensure end-to-end technical health across the division.

Key Business & Engineering Metrics You Will Influence

• Global Efficiency: Reduction in redundant work across sub-divisions.
• Platform Adoption: Speed and depth of downward-pushed architectural solutions across product teams.
• Engineering Stability: Reduction in incidents caused by fragmented or inconsistent architectural patterns.
• Business Alignment: Successful delivery of strategic projects and high-stakes technical investigations.

Challenges and Opportunities (What You’ll Own)

• Bridging the Gap: You will solve the problem of siloed excellence by ensuring that the best solutions from one team become the standard for all.
• Influential Agency: You will have the mandate to push for global efficiency.

What You’ll Find in the Team

• High‑calibre engineers, including staff engineers and experienced engineering managers.
• Complex, high‑impact problems at scale: large merchant integrations, real‑time decisioning, strict SLOs and multi‑partner dependencies.
• Unprecedented Scope: The ability to influence the technical direction of Nubank’s most critical and high-volume division.

What You’ll Navigate

• Complexity of Scale: Balancing the immediate needs of specific product areas with the long-term goal of global platform efficiency.
• Communication Switching: Moving between deep technical RFCs with engineers and high-level strategy sessions with General Managers.
• Geographic Flexibility: Working across teams in the US and Brazil, requiring strong remote collaboration and cultural adaptability.