Principal Software Engineer - Credit Card Core Platforms

Principal Software Engineer - Credit Card Core Platforms

Brazil, Belo Horizonte; Brazil, Campinas; Brazil, Rio de Janeiro; Brazil, Sao Paulo; USA, Durham; USA, Miami; USA, Palo Alto; USA, Washington DC

Sr Staff Software Engineer - CC Core Platforms

Nu is the world's largest digital banking platform outside of Asia, serving over 123 million customers across Brazil, Mexico, and Colombia. The company has been leading an industry transformation by leveraging data and proprietary technology to develop innovative products and services. Guided by its mission to fight complexity and empower people, Nu caters to customers' complete financial journey, promoting financial access and advancement with responsible lending and transparency. The company is powered by an efficient and scalable business model that combines low cost to serve with growing returns. Nu's impact has been recognized in multiple awards, including Time 100 Companies, Fast Company's Most Innovative Companies, and Forbes World's Best Banks. The Company is preparing for its next growth cycle where it will accelerate its internationalization process outside Latin America, and will also enter new verticals beyond financial services in its core markets taking advantage of the significant customer penetration.

About the Role

We are looking for a Senior Staff Software Engineer to lead the technical evolution of our Credit Card platform. This is not a traditional maintenance role. You will be the architect of a profound transformation: leveraging Generative AI to automate complex operational tasks and orchestrating the global migration from our current systems to a unified, future-proof architecture. You will be a key partner to the Engineering Leadership and a reference for the entire engineering community.

Mission

Your goal is to design and operationalize a technical strategy that uses AI to increase operational efficiency while accelerating our global migration, ensuring:

• Intelligent Maintenance: Implementing AI agents to analyze tickets and crashes, automating resolutions for the global credit card environment.
• Seamless Migration: Leading the coexistence strategy between legacy and new platforms across Brazil, Mexico, and Colombia, ensuring data integrity and a flawless customer experience.
• Technical Excellence: Solving deep architectural bottlenecks in high-scale distributed systems and raising the bar for software design globally.

Core Responsibilities

• Migration Strategy: Define the long-term roadmap for decommissioning legacy systems, starting with the 1-year migration plan for the Colombian market.
• AI-Driven Engineering: Architect and integrate AI solutions (cloud-based agents) to automate infrastructure maintenance and data migration.
• Strategic Partnership: Collaborate with General Managers, PMs, and Staff+ ICs to align technical decisions with business needs across different countries.
• Mentorship & Culture: Mentor senior engineers, fostering a culture of pragmatism, excellence in distributed systems, and the adoption of cutting-edge AI tools.

Challenges & Opportunities

• Navigating Complexity: You will work on high-scale systems supporting millions of transactions where every decision impacts customer limits and billing.
• Modernizing the Core: You have the unique opportunity to make "legacy" systems attractive and efficient by applying AI to remove heavy operational toil.

Core Qualifications (What We're Looking For)

• Proven Track Record: 15+ years of experience in software engineering, with a focus on large-scale distributed systems.
• Migration Mastery: Proven experience leading critical system migrations and managing coexistence between old and new architectures.
• AI Fluency: A strong interest or practical experience in using GenAI/LLMs to solve engineering productivity and data analysis challenges.
• Platform Mindset: Ability to design reusable APIs and contracts that serve multiple product teams with high reliability.
• Global Communication: Fluent English is required to collaborate across our global hubs (Brazil, US, Mexico, and Colombia).