Senior-Staff / Principal Full-Stack Engineer - AI Private Banker

This strategic US-based role seeks a highly specialized engineer to lead the vision and technical execution of Nubank's AI-enabled Private Banking platform (AIPB). It's a high-impact, hands-on leadership position for a generalist engineer focused on robust, consumer-facing mobile applications and complex, distributed backend systems. You will define architectural vision, drive engineering excellence, and financially educate over 100 million customers. Join a team at the intersection of banking and frontier AI, shaping the future of digital private banking at massive scale.

Must Have

• Define architectural vision and engineering components to scale product
• Architect, design, and implement features across the entire stack
• Lead development on core mobile platforms, preferably using Flutter
• Design and maintain high-throughput, fault-tolerant distributed systems
• Collaborate with product and data teams for AI-driven features
• Drive engineering best practices, conduct code reviews, and mentor engineers
• Work closely with Product Managers and Design to translate goals into technical roadmap
• Proven experience as a Tech Lead or Senior Engineer shipping complex mobile applications
• Deep knowledge of modern frontend frameworks/mobile development
• Deep knowledge of complex distributed backend system architecture
• Strong track record of designing, building, and operating high-throughput, fault-tolerant backend services
• Experience working with and integrating systems with AI
• Ability to take complete technical ownership of a major product area

Good to Have

• Extensive, hands-on experience with Flutter for iOS and Android applications
• Proficiency in one or more backend languages (e.g., Go, Java, Python, Clojure)
• Familiarity with cloud-native development (AWS)

Perks & 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

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

We are opening this strategic position in the US to find a highly specialized engineer to help us lead the vision and technical execution of our cutting-edge, AI-enabled Private Banking platform (AIPB). This is a high-impact, hands-on leadership role (IC8/IC9) for a generalist engineer who thrives on shipping robust, consumer-facing mobile applications supported by complex, distributed backend systems at massive scale.

You will function as the tech-lead, defining the architectural vision and driving engineering excellence for a product designed to financially educate over 100 million costumers. Crucially, this is a full-stack engineering position. Your expertise will be in system architecture, full-stack implementation, and technical leadership. Key Responsibilities:

• Define the architectural vision and take an opinionated stance on the engineering components necessary to scale the product across multiple global markets.
• Architect, design, and implement features across the entire stack, ensuring high performance, scalability, and security. Frontend Mobile: Lead development on our core mobile platforms, preferably using Flutter (iOS/Android).
• Design and maintain high-throughput, fault-tolerant distributed systems that power recommendations, conversational AI integration, and the suite of banking products.
• Collaborate with product and data teams to ensure effective data flow, consumption, and integration required for the AI-driven features (e.g., real-time user state, recommendation output).
• Drive engineering best practices, conduct thorough code reviews, and mentor engineers on architecture, performance, and operational excellence.
• Work closely with Product Managers and Design to translate ambitious product goals into a clear, phased technical roadmap.

Qualifications

Required Expertise

We are looking for candidates with experience in previous launches at scale from top-tier technology companies, with:

• Proven experience as a Tech Lead or Senior Engineer shipping complex, large-scale consumer-facing mobile applications.
• Deep knowledge of both modern frontend frameworks/mobile development and complex distributed backend system architecture.
• Strong track record of designing, building, and operating high-throughput, fault-tolerant backend services.
• Experience working with and integrating systems with AI, not necessarily training models.
• Ability to take complete technical ownership of a major product area, making decisive and informed trade-offs on architecture and implementation.

Highly Desired

• Extensive, hands-on experience with Flutter for building high-quality, native iOS and Android applications. (Note: Any generalist mobile and backend engineer who can pick up Flutter quickly is acceptable).
• Proficiency in one or more backend languages suitable for high-scale applications (e.g., Go, Java, Python, Clojure) , and familiarity with cloud-native development (AWS).

Why Join Us?

You will be joining a team at the intersection of banking and frontier AI, building a product designed to truly change people's financial lives at a massive scale. This role offers the opportunity to define the engineering backbone of a mission-critical platform and shape the future of digital private banking.

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
• Extended maternity and paternity leaves
• 401K
• Saving Plans - Health Saving Account and Flexible Spending Account
• Work-from-home Allowance
• Relocation Assistance Package, if applicable.

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 maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/