Staff Software Engineer, AI & Credit Card Platform

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.

Location: Toronto, Canada; Virginia, United States; Miami, United States; Palo Alto, United States

Responsibilities

• 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.

Requirements

• 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.

Benefits

• Canada: Health Insurance, Life Insurance, Pension Plan, Extended maternity and paternity leaves, Nucleo – learning platform, NuLanguage – language learning program, NuCare – 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 – learning platform, NuLanguage – language learning program, NuCare – mental health and wellness assistance program, 401(k), Health Savings Account and Flexible Spending Account, Work-from-home Allowance, Relocation Assistance Package, if applicable

Schedule

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.