Staff Software Engineer - Lending Foundations

About Nu

Nu is the leading digital bank in Latin America, serving 135 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 Most Influential Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks.

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About the role

The Global Lending Foundations team, within our Global Lending BU, is building the platform that fundamentally changes how we design, build, and roll out lending decisions across new geographies.

Our mission is to create the tools and evolve the architecture that make it dramatically easier to launch lending products in new countries, with high business impact and direct exposure to Nu’s global expansion.

As a Staff Software Engineer – Lending Foundations, you will be a senior technical leader in this platform layer: defining the long-horizon technical direction for how Lending platforms scale across countries, products, and partners, and shaping how every future lending product is built across Brazil, the US, Mexico, Colombia and future markets.

You will operate at platform scale — building shared infrastructure that other teams depend on for years — while working in a highly engaged, multi-level engineering group (IC7–IC4) and partnering closely with product and business leaders.

You’ll be responsible for

• Owning the architectural vision for Lending Foundations: Define and evolve the platform architecture that underpins lending products across countries, products, and partners, making decisions that outlast individual cycles.
• Designing and scaling shared platform capabilities: Build core services, decisioning primitives and integration patterns that multiple lending teams rely on, balancing flexibility with consistency and long-term maintainability.
• Leading cross-team architectural initiatives: Drive alignment on hard technical choices across engineering squads and stakeholders, bringing clarity where the path forward is genuinely unclear and ensuring coherent evolution of the Lending platform layer.
• Evolving event-oriented architectures: Apply and refine CQRS and event-driven patterns across the platform, making thoughtful trade-offs when building shared infrastructure that must work across geographies and regulatory contexts.
• Partnering with product and business leadership: Work closely with the Global Lending BU to translate business goals and expansion plans into platform capabilities and roadmaps, ensuring high, measurable impact on global lending expansion.
• Multiplying senior engineering talent: Mentor senior engineers, help them grow toward Staff level, and raise the engineering bar through design reviews, technical guidance, and clear written and verbal communication.

We are looking for a person who has

Required

• Extensive experience as a senior / staff-level engineer designing and evolving complex distributed systems or platform layers that serve multiple product teams.
• Deep experience with event-oriented architectures (e.g., CQRS, event sourcing, streaming) and clear views on the trade-offs of building shared infrastructure that other teams will depend on for years.
• Strong background in at least one functional or JVM-based stack;
• Proven track record owning architectural vision for large domains or platforms, and bringing clarity and direction in spaces where requirements and constraints are evolving.
• Demonstrated ability to drive alignment on hard architectural decisions across multiple squads and stakeholders, including senior engineers and technical leaders.
• Experience acting as a platform-oriented engineer, where primary customers are other engineering and product teams, and your work directly shapes what they can ship and how fast.
• Strong communication skills — able to articulate complex technical concepts to both technical and non-technical audiences, and to influence decisions at multiple levels.

Nice to have

• Experience in lending, credit, or financial services platforms.
• Experience working in multi-country or global product environments.
• Prior responsibility for migration or re-platforming initiatives at scale.
• Familiarity with technologies like Clojure, Datomic, Kafka or similar paradigms is a strong plus

Location for this opportunity

This role can be based in one of the following hubs:

• Toronto, Canada
• São Paulo, Rio de Janeiro, Campinas, or Belo Horizonte – Brazil (We hire for one location; final base will be defined during the process.)

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/

Our Benefits

Benefits vary by country but are highly competitive in each market. For this role, they typically include:

If based in Brazil (Employee)

• Chance of earning equity at Nubank
• Food / Meal Card (Vale-Refeição and/or Vale-Alimentação)
• Public Transportation Commuting Benefit (Vale-Transporte)
• NuCare – Psychological, Financial and Legal Assistance Program
• Life Insurance
• Medical Plan
• Dental Plan
• NuLanguage – Language Course Program
• Nucleo – Our learning platform of courses
• Extended Parental Leave
• Daycare Allowance
• Parental Consultancy
• Work-from-home Allowance
• Gym Partnerships
• 30 days of paid vacation
• Relocation Assistance Package, if applicable

If based in Canada (Employee)

• Health Insurance
• Life Insurance
• Pension Plan
• Extended maternity and paternity leaves
• Nucleo – Our learning platform of courses
• NuLanguage – Our language learning program
• NuCare – Our mental health and wellness assistance program
• Vacations

Exact details and eligibility will be confirmed during the interview process, according to local regulations.

Join us

If you want to help design the platform that will power Nu’s lending products in every new market we enter — combining deep architecture, event-driven systems, and global impact — we’d love to hear from you.

Apply now to be our Staff Software Engineer – Lending Foundations in Toronto or one of our Brazil hubs.

Our recruitment process may involve the use of artificial intelligence–enabled tools, such as automated interview transcription and analysis, to support the evaluation process. Artificial intelligence is not used to make final hiring decisions; all decisions are made by human reviewers.