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

Nubank•Palo Alto, CA

6d•Hybrid

About The Position

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/ 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 t ech-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 .

Requirements

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

Nice To Haves

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)

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