O Nu nasceu em 2013 com a missão de lutar contra a complexidade para empoderar pessoas diariamente, reinventando os serviços financeiros.

Somos uma das maiores plataformas financeiras no mundo, servindo mais de 100 milhões de clientes no Brasil, México e Colômbia. 

Em nossa posição de liderança, usamos tecnologia proprietária e práticas inovadoras para criar novas soluções e experiências financeiras para indivíduos e PMEs. Tudo que entregamos é simples, intuitivo, conveniente, de baixo custo, empoderador e humano. 

Guiando-nos sempre por nossa missão, estamos contribuindo para aumentar o acesso financeiro na América Latina.

Industry: Atividades de serviços financeiros
Company Size: 5.001-10.000 funcionários

Nubank

Savvy Admin PROD

**About Us**

Nu is one of the largest digital financial platforms in the world, with more than 127 million customers across Brazil, Mexico, and Colombia. Guided by our mission to fight complexity and empower people, we are redefining financial services in Latin America and this is still just the beginning of the purple future we’re building.

Listed on the New York Stock Exchange (NYSE: NU), we combine proprietary technology, data intelligence, and an efficient operating model to deliver financial products that are simple, accessible, and human.

Our impact has been recognized by global rankings such as Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Bank. Visit our institutional page https://international.nubank.com.br/careers/

**About The Role**

Nu is building secure, compliant crypto infrastructure that will expand financial access for millions of people across Latin America. In crypto, there is no margin for error — a mistake in production can be irreversible, with direct financial exposure. As we open our Silicon Valley engineering hub, we’re looking for a Lead Software Engineer, Crypto who thinks adversarially, builds defensively, and operates at the intersection of cryptography, distributed systems, and financial regulation.

You’ll be part of a focused crypto team in Palo Alto, collaborating with security, compliance, and product teams across our global offices. Our crypto engineering culture values correctness above all — we design systems assuming they will be attacked, and build accordingly. We move deliberately, with a high bar for security reviews and code quality.

In this role, you’ll own cryptographic systems, protocols, or blockchain infrastructure for your domain — key management, signing flows, consensus mechanisms, and on-chain integrations. You’ll ensure correctness, security, and regulatory compliance, and you’ll be the person who says “no, that’s not safe” and makes it stick.

You’ll be responsible for

- Own cryptographic systems, protocols, or blockchain infrastructure for your domain, including key management, signing flows, and on-chain integrations.

- Design and implement secure, compliant crypto infrastructure that meets the highest standards for correctness and reliability.

- Think adversarially: design systems assuming they will be attacked, conduct threat modeling, and build defensive architectures.

- Navigate the intersection of cryptography, distributed systems, and financial regulation, ensuring all systems meet compliance requirements.

- Lead security reviews and code quality processes for crypto-related systems, enforcing a high bar for production readiness.

- Collaborate with security, compliance, and product teams to ensure crypto features are both safe and user-friendly.

- Mentor peers on crypto engineering best practices and contribute to the team’s security-first engineering culture.

We are looking for a person who has

**Required**

- Track record of building and operating cryptographic systems, blockchain infrastructure, or secure financial systems in production.

- Deep understanding of cryptographic primitives, key management, signing protocols, and consensus mechanisms.

- Strong software engineering fundamentals with experience in languages used in crypto infrastructure (e.g., Go, Rust, Java, Python).

- Experience designing systems with an adversarial mindset: threat modeling, security reviews, and defensive architecture.

- Understanding of financial regulation as it applies to crypto and digital assets, with experience building compliant systems.

- Demonstrated ability to make high-stakes engineering decisions where correctness and security are non-negotiable.

- Experience collaborating with security, compliance, and legal teams on system design and review processes.

**Nice to have**

- Experience with specific blockchain protocols (e.g., Ethereum, Bitcoin, Solana) and their integration patterns.

- Background in DeFi protocols, custody solutions, or institutional crypto infrastructure.

- Experience in fintech, payments, or other financial services environments with strict regulatory requirements.

- Familiarity with HSMs, secure enclaves, and hardware-backed key management systems.

- Proficiency with AI-assisted development tools and a thoughtful approach to leveraging AI in security-critical engineering.

Location

Palo Alto, United States

Our Benefits

- 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

- 401K

- Saving Plans – Health Saving Account and Flexible Spending Account

- Work-from-home Allowance

- Relocation Assistance Package, if applicable

Work Model

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/

**Explore How We Build Technology At Nubank**

🔗 building.nubank.com.br

🔗 youtube.com/@building.nubank

Software Engineer (Crypto - SV) - US - 2026

**Opportunity**

We are hiring a Senior Staff or Principal Engineer to support driving the technical vision and execution for Nubank’s Digital Ecosystem division, with initial focus on NuPay, Ads & Rewards and Insurance. This is a division‑level leadership role: you will work with exceptional engineers (including staff engineers), lead cross‑org architectural decisions, negotiate trade‑offs with product/finance/legal, and enable scalable delivery of high‑impact products (checkout & wallet, advertiser platform and benefits hub, and 1‑click insurance products).

**2026's Vision And (how This Role Contributes)**

In 2026 we will transform the Digital Ecosystem into a place where customers discover advantages, pay effortlessly and feel protected, and where merchants grow through data‑driven integrated partnerships. Our priorities are: (1) **elevating app quality, ** (2) **deepening customer engagement with contextual and personalized experiences **, (3) **making Nubank the preferred payments partner and growth engine for merchants **, and (4) **ensuring scalable, compliant, and financially healthy foundations **. This role will own the technical plan to deliver that vision across**NuPay, Ads & Rewards and Insurance **.

**Mission design and operationalize the 2–3 year technical end‑state for the Digital Ecosystem so that:**

- NuPay scales to become the de facto checkout and wallet for Nubank customers (TPV ×2 by Dec/26; wallet >3M MAU),

- Ads & Rewards delivers the Advantages Tab, a performant advertiser platform and Ads POC with merchants, and drives material ecosystem revenue,

- Insurance launches and scales high‑quality one‑click complements (Mobile Insurance Relaunch, Pix Protegido evolution), while maintaining aggressive SLOs, strong observability, controlled TCO and an elevated engineering culture.

**Core Responsibilities**

- Support defining the division’s technical end‑state (2–3 years): architecture, shard/partition strategy, migration path (one‑stack) and explicit trade‑offs (cost × latency × availability).

- Co-own availability and performance: set SLIs/SLOs, error budgets, runbooks, incident playbooks and an observability strategy that supports merchants with strict SLAs.

- Support Ads & Rewards platform design: advertiser platform (audience & campaign management), decision/bidding service, real‑time vs batch decisioning, measurement & attribution (ROAS/incrementality), and minimise impact on app UX.

- Drive NuPay ↔ Ads integration for aspirational purchases: real‑time underwriting, multi‑source funding, take‑rate modelling, card‑on‑file / wallet flows and onboarding for flagship merchants.

- Enable Insurance delivery: technical enablement for one‑click products, partner integration and governance (e.g., Chubb), migration to subscription/billing platform where applicable, and app quality improvements (TTFD, dashboards, NPS).

- Support one‑stack discovery and phased migration: balance platformization with pragmatic delivery and tech‑debt management to avoid blocking growth.

- Catalyse product quality culture: introduce and operationalize Product Quality Reviews, drive app excellence rituals, and ensure UX/technical quality are considered across the product lifecycle.

- Mentor and grow engineering leaders and staff engineers; run RFCs, tech talks and post‑mortems; design career paths and enable managers to deliver cross‑BU initiatives.

- Represent the division in cross‑org negotiations and external partner discussions (merchants, partners, regulators), aligning stakeholders and escalating risks proactively.

- Track and report technical impact against business metrics and engineering health indicators.

**Key business & engineering metrics you will influence**

- NuPay: TPV growth (2× by Dec/26), wallet MAU (>3M), share‑of‑checkout (SoC), p99 latency and availability for merchant traffic.

- Ads & Rewards: ad revenue targets (material ecosystem revenue), ROAS / iROAS / incrementality, CTR, Ads POC results (≥2 merchants), Advantages Tab / Shelves Platform launch.

- Insurance: one‑click complements GWP target (R$493M EOY), product NPS (>60 targets), churn reduction via billing/tolerance changes.

- Engineering health: Engineering Stability Index (ESI), App Quality Score, incident frequency/severity, time to integrate new partners.

**Challenges And Opportunities (what You’ll Own)**

- World‑class app quality & Magic App MVP: raise engineering and product expectations, and deliver first‑layer Magic App experiences (Advantages Tab, widgets, contextual flows such as AIPB).

- Real‑time decisioning and aspirational financing: enable low‑latency ads decisioning and NuPay real‑time underwriting for extended financing while preserving app performance.

- One‑click Insurance at scale: deliver MIR (no IMEI) and Pix Protegido evolution, dedicating energy to one‑click complements and partnering with Chubb while retaining monitoring/control.

- Capture offline transactions: accelerate NuPay NFC wallet adoption as an offensive play to reach ~3M MAU and increase offline SoC.

- Platform & compliance foundations: complete SPB integration, advance One‑Stack Project, meet Magic App and regulatory mandates, and ensure resilient, cost‑effective infra.

**What You’ll Find In The Team**

- High‑calibre engineers, including staff engineers and experienced engineering managers.

- Complex, high‑impact problems at scale: large merchant integrations, real‑time decisioning, strict SLOs and multi‑partner dependencies.

- Autonomy to shape architecture, product quality rituals and the division roadmap, plus the responsibility to align delivery across product, infra, legal and commercial stakeholders.

**What You’ll Navigate**

- Heavy cross‑BU dependencies (Global Platforms, Nubank+, UV, Marketing) requiring strong stakeholder orchestration.

- Regulatory changes (SPB/BCB) that may force re‑architecture or open‑scheme decisions.

- Dependence on third‑party vendors (wallet SDKs, insurance partners) and partner infra limitations.

- Balancing rapid commercialization and monetization with fraud/credit loss control and sustainable unit economics.

- Trade‑offs between accelerating one‑stack migration and accepting short‑term technical debt to preserve delivery velocity.

Senior Staff / Principal Engineer - Digital Ecosystem

**About Us**

Nu is one of the largest digital financial platforms in the world, with more than 127 million customers across Brazil, Mexico, and Colombia. Guided by our mission to fight complexity and empower people, we are redefining financial services in Latin America and this is still just the beginning of the purple future we're building.

Listed on the New York Stock Exchange (NYSE: NU), we combine proprietary technology, data intelligence, and an efficient operating model to deliver financial products that are simple, accessible, and human.

Our impact has been recognized by global rankings such as Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Bank. Visit our institutional page Careers at Nu - Join our team!

**About The Role**

As a **Staff Software Engineer (Data) **, you will be the technical cornerstone of our data ecosystem. At Nu, we don't just "move data" we build the foundational platforms that empower analysts, ML engineers, and product leaders to make the decisions that drive financial inclusion for millions.

You will own the data infrastructure for your domain, tackling highly complex and ambiguous challenges that span multiple departments. You aren't just a builder; you are a strategist who identifies data gaps before they become bottlenecks and treats data quality as a mission critical product. You will set the technical bar for the entire function, ensuring that downstream trust remains unbreakable as we scale.

**Responsibilities**

- Architect Data Excellence: Design and evolve high scale data platforms, storage solutions, and transformation patterns that serve as the "gold standard" for the organization.

- Drive Technical Strategy: Define the long term roadmap for data infrastructure, balancing immediate business needs with a 6–12 month strategic horizon.

- Champion Data Contracts: Lead the implementation of robust data contracts and schema evolution practices to ensure reliability across global product teams.

- Solve Complex Ambiguity: Troubleshoot and resolve the most challenging technical bottlenecks in our data pipelines, improving system observability and performance at scale.

- Empower the Function: Act as a key technical advisor for senior leadership, helping to shape strategic investments in our data stack.

- Mentor and Scale: Raise the technical bar by mentoring senior engineers, leading cross functional task forces, and fostering a culture of engineering excellence and data driven decision making.

- Operational Leadership: Pioneer architectural patterns that become reference implementations for the entire company.

**Qualifications**

**Required:**

- Extensive Technical Leadership: Proven experience leading large scale data engineering initiatives in global, high-growth technology environments.

- Expertise in Distributed Systems: Deep mastery of data processing frameworks (such as Spark, Flink, or Kafka) and modern cloud data warehousing.

- Systems Design Mastery: Ability to independently design and refine solutions for complex data problems, considering long-term scalability and user experience.

- Strategic Acumen: Demonstrated ability to link technical decisions to business drivers like operational efficiency and customer acquisition costs.

- Proactive Problem Solving: A track record of identifying architectural gaps and implementing fixes independently with high autonomy.

**Nice To Have**

- Experience with ML Ops and supporting Machine Learning workflows at scale.

- Experience in the financial services or FinTech sector.

**Why Nubank?**

- Purpose-driven work that impacts millions of people.

- Collaborative and inclusive remote culture.

- Competitive compensation and benefits package.

- Learning and development support to grow your career.

- Opportunity to help shape the future of financial services.

**Our Benefits**

- Total compensation includes base salary, RSUs and benefits. Base salary: $270,000

- Top Tier Medical Insurance

- Top Tier Dental and Vision Insurance

- 401(k) matching

- 20 days time off, 14 company holidays, and great culture that emphasizes work life balance.

- Life Insurance and AD&D

- Nucleo - Our learning platform of courses

- NuLanguage - Our language learning program

- NuCare - Our mental health and wellness assistance program

- Extended maternity and paternity leaves

- Saving Plans - Health Saving Account and Flexible Spending Account

- Twice a week in the office (Palo Alto) + quarterly trips to Sao Paulo (Brazil) to build relationships with coworkers.

Staff Software Engineer, Data

**The Opportunity**

This position is for an Engineer Principal (IC9) to join the Mobile Platforms BU.

Mobile Platforms is the BU responsible for Nubank’s entire mobile foundation: we design, build, and operate the platforms that power the Nubank app across all markets. The BU is organized in three business areas – App Foundations (core architecture, app startup, developer experience), App Enablement (navigation performance, Backend Driven Content/BDC, design system infra & Rosetta), and App Release (CI/CD, release train, observability, app analytics & data). Together, these areas provide the canonical Flutter + BDC architecture, tooling, and guardrails that enable product teams to ship a fast, reliable, and consistent app at global scale.

**About Nubank's Engineering Culture**

We believe in small, independent teams, a process-light environment, and a culture of trust and collaboration. We made a strategic bet on Flutter and Server-Driven UI not just for technical reasons, but because they empower our engineers to work end-to-end and scale our organization. You will be a key steward and champion of this culture, driving technical decisions that reinforce our principles of autonomy and developer empowerment.

**What We Have To Offer**

- The opportunity to lead the technical direction of Nubank’s Mobile Platform – the foundational system that underpins the Nubank app for tens of millions of customers across all markets.

- Ownership of multi‑year, high‑visibility initiatives such as Mobile Destination Architecture, native code deprecation, app startup refactor, navigation performance, BDC evolution and App Excellence, with clear impact on company OKRs.

- A uniquely cross‑cutting scope across App Foundations, App Enablement and App Release – spanning architecture, developer experience, CI/CD, observability and data – allowing you to shape how the entire engineering org builds mobile products.

- Space to grow your principal‑level leadership: driving strategy, defining technical roadmaps, sponsoring other senior/principal engineers, and representing Mobile Platforms in cross‑company forums and executive discussions.

- A highly collaborative environment with top mobile, platform and experience design talent, where you will partner closely with Magic App, NuDS, Growth and markets teams to deliver a world‑class, consistent and high‑performance app.

**Core Qualifications (What We're Looking For)**

- 15+ years of software engineering experience, with a proven track record of designing, building, and operating large-scale mobile applications or platforms at an enterprise level.

- Has deep expertise in mobile architecture (Flutter/Dart, native bridges, modularization, mono-repo architectures) and can design end‑to‑end solutions spanning app startup, navigation, state management, and release lifecycle.

- Understands and can evolve BDC (Backend Driven Content) as Nubank’s main server‑driven UI platform, defining how BDC, Flutter and NuDS work together to enable safe, fast iteration without depending on store releases.

- Is capable of setting the technical vision for the three Mobile Platforms business areas (App Foundations, App Enablement, App Release), connecting architecture choices with company‑level goals such as App Excellence, Magic App and Destination Architecture.

- Has a strong track record of leading large, ambiguous cross‑org initiatives – e.g., native‑to‑Flutter/BDC migrations, app startup refactors, navigation performance programs, or observability/analytics redesigns – influencing dozens of squads and multiple BUs.

- Drives platform engineering at scale: defines canonical patterns, RFCs and reference implementations; creates reusable tools/libraries; and ensures that internal customers can adopt the platform with low friction and high quality.

- Is comfortable leading through influence: aligning PMs, EMs, Staff/Principal engineers and leadership on trade‑offs (performance vs. flexibility, platform vs. product), and making tough calls grounded in data, risk and long‑term sustainability.

- Invests heavily in technical leadership and mentorship, raising the bar for senior engineers across Mobile Platforms and product BUs, and building a strong culture around architecture reviews, design docs, and post‑incident learning.

- Cares deeply about observability, reliability and release health for mobile: tying together app metrics (startup, TTFD, crashes, jank), CI/CD, feature rollout (BDC + app releases) and on‑call practices into a coherent strategy.

- Is motivated by working on a horizontal, high‑impact platform that directly shapes how every experience in the Nubank app is built, released and monitored, across Brazil, Mexico, Colombia and future markets.

If you feel interested in these challenges and want to work on a very engaged and talented team, this is the place for you!

Principal Engineer, Mobile Platforms

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