Senior Staff Software Engineer - Money Boxes

Nubank•Palo Alto, CA

9d•Hybrid

About The Position

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 Money Boxes ("Caixinhas") is one of Nubank’s most strategic product innovations, transforming how millions of customers organize, save, and grow their money across Latin America. As Nubank expands into new geographies and financial verticals, we are looking for an exceptional Senior Staff Software Engineer to serve as the chief technical authority for our Money Boxes core platform. In this role, you will operate at the intersection of high-concurrency distributed systems, transactional ledgering, investment asset allocation, and liquidity orchestration. You won't just maintain existing product flows—you will architect the foundational engines that enable millions of users to dynamically deposit, segment, and yield return on their savings instantly, securely, and at massive scale. Your Mission: scale an extensible, multi-tenant Money Boxes platform that abstracts complex investment assets, yield generation mechanisms, and regulatory ledgering into simple, bulletproof platform capabilities across multiple international markets.

Requirements

Proven experience as a senior technical leader (Staff/Senior Staff level) designing, operating, and scaling highly available, mission-critical distributed systems.
Deep hands-on experience building systems in transactional environments—such as savings platforms, ledger/accounting engines, investment order management, custody, or core banking infrastructure.
Exceptional fluency in event-driven architectures, transactional consistency, distributed sagas, domain-driven design (DDD), and high-concurrency microservices.
Demonstrated ability to build domain-agnostic, developer-friendly platforms and APIs with explicit contracts, SLAs, and high observability that allow consuming product teams to innovate rapidly.
Proven success driving cross-organizational technical alignment, navigating architectural trade-offs, and communicating technical strategy clearly to engineering leaders, Product Managers, and General Managers.
Professional fluency in English is required for international collaboration.

Nice To Haves

Portuguese or Spanish is a plus.

Responsibilities

Define and execute the multi-year technical vision for Money Boxes backend architecture, ensuring high extensibility to support diverse underlying assets (e.g., fixed income, yield-bearing accounts, money market funds) across different countries.
Architect high-throughput, double-entry accounting engines and balance tracking systems that guarantee exact-once delivery, deterministic reconciliation, and real-time calculation of accruals and yield.
Design resilient execution flows for deposits, withdrawals, and auto-investments, managing real-time settlement with internal brokerages, clearinghouses, and banking rails with low latencies and zero transactional error margin.
Abstract regional regulatory rules, local tax logic, and currency nuances into clean platform boundaries so product squads can launch localized Money Boxes experiences in record time.
Author comprehensive design documents (RFCs) and drive architectural consensus across Payments, Core Banking, Investments, and Security leadership.
Elevate engineering standards across Money Boxes squads by mentoring senior engineers in distributed systems design, resilience patterns, fault tolerance, and domain-driven design.