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.

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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 recent 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.

📌 Staff Software Engineer, AI & Credit Card Platform (Toronto)
🏢 Nubank
📍 Toronto