Staff Software Engineer, AI & Credit Card Platform

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.

What We're Looking For Someone Who Has

Required

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 .