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About the Role
The CC Factory within Nubank’s Credit Card Business Unit is responsible for internationalizing the credit card product and creating a reusable foundation for launching it in new markets. 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 role involves deep technical leadership with hands-on execution, building reusable country-launch capabilities, driving AI transformation, and guiding architecture across three to four squads.
Responsibilities
- Build reusable systems to reduce the time and effort required to launch credit card products in new markets.
- Automate country readiness by translating regulatory requirements and market capabilities into destination architecture and configurable product behavior.
- Drive AI transformation across CC Factory by diagnosing engineering friction, establishing productivity baselines, running experiments, and scaling effective AI practices.
- Develop domain-grounded AI systems, including context engineering foundations and domain skills, for AI agents to support credit card configuration and international launches.
- Define AI risk and governance, establishing human-in-the-loop controls, evaluation, monitoring, and auditability for AI in regulated financial workflows.
- Lead technical architecture across multiple squads, serving as a technical anchor for areas like Collateral Lines, Cashback, and adjacent credit card platforms.
- Partner across the organization to align Product, Engineering, Business, Legal, Compliance, and platform teams around technical direction, dependencies, and launch priorities.
- Remain hands-on by prototyping, coding, and contributing directly when needed, adapting quickly to evolving business priorities and market opportunities.
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, including the 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.
- Willingness to work hands-on and adapt quickly to changing priorities.
- 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.
Skills
- Agentic AI
- Coding agents
- Tools
- Skills
- Context engineering
- RAG
- Backend development
- Distributed systems
- Technical leadership
- Influence without authority
- Communication (written and spoken English)
- Multi-country product platforms
- Internationalized product platforms
- Regulatory-driven variation
- Multi-currency
- Installments
- Banking
- Credit cards
- Financial services
- Configuration-driven product architecture
- Clojure
- Functional programming
- Large-scale microservice architectures
- Mentoring senior engineers
- Technical enablement
Location
- Toronto, Canada
- Virginia, United States
- Miami, United States
- Palo Alto, United States
Work Type
- Hybrid
Experience Level
- Staff-level
Benefits
- Health Insurance (Canada)
- Life Insurance (Canada)
- Pension Plan (Canada)
- Extended maternity and paternity leaves (Canada)
- Nucleo – our learning platform of courses (Canada)
- NuLanguage – our language learning program (Canada)
- NuCare – our mental health and wellness assistance program (Canada)
- Vacations (Canada)
- Opportunity of earning equity at Nu (United States)
- Medical Insurance (United States)
- Dental and Vision Insurance (United States)
- Life Insurance and AD&D (United States)
- Extended maternity and paternity leaves (United States)
- Nucleo – our learning platform of courses (United States)
- NuLanguage – our language learning program (United States)
- NuCare – our mental health and wellness assistance program (United States)
- 401(k) (United States)
- Health Savings Account and Flexible Spending Account (United States)
- Work-from-home Allowance (United States)
- Relocation Assistance Package, if applicable (United States)
About the Company
- 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.
Equal Opportunity
- 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.