Staff Software Engineer, AI & Credit Card Platform

About Nu

Nu is the leading digital bank in Latin America, serving 140 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 Most Influential Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks.

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About the role

The CC Factory, within Nubank’s Credit Card Business Unit, is responsible for internationalizing our credit card product and creating a reusable foundation for launching it in new markets. The team recently launched credit card capabilities in the United States and is building the frameworks, platforms and AI-enabled practices required to scale into future countries.

As a Staff Software Engineer, AI & Credit Card Platform, you will operate across multiple squads and technical domains, helping shape how credit card products adapt to new markets. This is a strongly cross-functional role involving Product, Engineering, Business, Legal, Compliance and platform partners.

You will combine deep technical leadership with hands-on execution: building reusable country-launch capabilities, driving AI transformation across the engineering lifecycle, and guiding architecture across three to four squads. This is a Staff-level role with potential to grow toward broader technical scope over time

You’ll be Responsible for

• Building the Country Launch Engine: Create reusable systems that reduce the time and effort required to launch credit card products in new markets, replacing country-specific documentation and repeated discovery with scalable capabilities.

• Automating country readiness: Help translate regulatory requirements and market capabilities into destination architecture and configurable product behavior.

• Driving AI transformation across CC Factory: Diagnose engineering friction, establish productivity baselines, run experiments, measure impact and scale the AI practices that work.

• Building domain-grounded AI systems: Develop context engineering foundations, domain skills and repository context so AI agents can support credit card configuration and international launches with reliable outputs.

• Defining AI risk and governance: Establish appropriate human-in-the-loop controls, evaluation, monitoring and auditability for AI used in regulated financial workflows.

• Leading technical architecture across multiple squads: Serve as a technical anchor across areas such as Collateral Lines, Cashback and adjacent credit card platforms, guiding architecture and unblocking complex work.

• Partnering across the organization: Align Product, Engineering, Business, Legal, Compliance and platform teams around technical direction, dependencies and launch priorities.

• Staying hands-on: Prototype, code and contribute directly when needed, while adapting quickly as business priorities and market opportunities evolve.

What We're Looking For Someone Who Has

Required

• Software engineering experience, with demonstrated Staff-level scope across multiple teams and domains.

• A track record of designing and shipping reusable platform or systemic solutions adopted by other teams.

• Current, hands-on experience with agentic AI, including coding agents, tools, skills, context engineering or RAG in production or near-production environments.

• Strong backend and distributed-systems depth, sufficient to hold architectural authority across multiple products and platforms.

• Ability to operate under deep ambiguity, structure undefined problems and make progress even when future market requirements are not yet confirmed.

• Quantitative rigor: ability to define baselines, design experiments, measure outcomes and stop initiatives that do not create value.

• Strong technical leadership and influence without authority across Engineering, Product, Business, Legal and Compliance stakeholders.

• Ability to communicate clearly in written and spoken English, including technical documents, plans and playbooks read by teams across countries.

• Willingness to work hands-on and adapt quickly to changing priorities.

Nice to Have

• Experience with multi-country or internationalized product platforms, particularly regulatory-driven variation, multi-currency or installments.

• Experience in banking, credit cards, financial services or another regulated domain.

• Experience with configuration-driven product architecture.

• Experience with Clojure, functional programming or large-scale microservice architectures.

• Experience mentoring senior engineers and running technical enablement across an organization.

Location for this opportunity

This role can be based in:

• Toronto, Canada

• Virginia, United States

• Miami, United States

• Palo Alto, United States

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/

Our Benefits

Benefits vary by country and local regulations.

Canada

• Health Insurance

• Life Insurance

• Pension Plan

• Extended maternity and paternity leaves

• Nucleo - our learning platform of courses

• NuLanguage - our language learning program

• NuCare - our mental health and wellness assistance program

• Vacations

United States

• Opportunity of earning equity at Nu

• 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

• 401(k)

• Health Savings Account and Flexible Spending Account

• Work-from-home Allowance

• Relocation Assistance Package, if applicable

Our recruitment process may involve the use of artificial intelligence - enabled tools, such as automated interview transcription and analysis, to support the evaluation process. Artificial intelligence is not used to make final hiring decisions; all decisions are made by human reviewers.