Staff Software Engineer, AI & Credit Card Platform

Nubank; Toronto; Hybrid; CAD 150,000 - 190,000; Full time

Benefits offered by this job

Health Insurance

Pension Plan

Relocation Assistance

Job summary

Nubank is seeking a Staff Software Engineer, AI & Credit Card Platform, to drive reusable country‑launch capabilities and lead AI transformation across the CC Factory. You will influence architecture across several squads and partner with Product, Legal, and Compliance to scale into new markets.

The role requires hands‑on leadership, deep backend expertise, and the ability to operate in ambiguity while delivering scalable, compliant financial solutions.

Qualifications

• Staff‑level software engineering experience across multiple teams and domains.
• Design and ship reusable platform or systemic solutions used by other teams.
• Hands‑on experience with agentic AI, coding agents, tools, context engineering or RAG in production.
• Strong backend and distributed‑systems depth to guide architecture across products.
• Ability to operate under deep ambiguity and progress unknown problems.
• Quantitative rigor to define baselines, run experiments and measure value.
• Proven technical leadership and influence across stakeholders.
• Strong written and spoken English for technical docs and plans.

Responsibilities

• Build the Country Launch Engine to accelerate new market launches with reusable capabilities.
• Automate country readiness by mapping regulations to architecture and product behavior.
• Drive AI transformation across the CC Factory and measure impact.
• Develop context engineering foundations for AI systems supporting credit card config and launches.
• Define AI risk and governance with human‑in‑the‑loop controls and auditability for financial workflows.
• Provide architectural leadership across multiple squads (Collateral Lines, Cashback, etc.).
• Partner with Product, Engineering, Legal, Compliance and platform teams on direction and priorities.
• Stay hands‑on by prototyping and coding when needed while adapting to priorities.

Skills

Staff‑level scope

Reusable platform design

Agentic AI experience

Backend & distributed systems

Ambiguity handling

Experimentation & metrics

Technical leadership

Clear English communication

Tools

Clojure

Job description

About Nu

Nu serves more than 140 million customers, guided by a mission to fight complexity and empower people. The company has been leading an industry transformation through innovative products and human-centered services.

Proprietary technology and data at scale power Nu’s digital platform, built to promote financial access, advancement, and transparency. Its business model thrives on customer love and lower costs, feeding a flywheel of growth and profitability.

Visit our Institutional Page

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.

Required

What We're Looking For Someone Who Has

• 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 internationalised 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 organisation.

Location for this opportunity

• Toronto, Canada
• Virginia, United States
• Miami, United States
• Palo Alto, United States

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 maximise 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 programme
• 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 programme
• 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.