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.