Full-Time
Lead Software Engineer
Nubank
10,001+ employees
Digital bank offering credit cards
Compensation Overview
$230k - $276k/yr
Palo Alto, CA, USA
Hybrid
Hybrid work model: in-office 2–3 days per week in Palo Alto.
 Software Engineering (1) |
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- Solid experience as a backend or platform engineer, owning production systems end‑to‑end (design, implementation, operations, and ongoing evolution).
- Proven track record working with distributed systems at scale and building APIs or microservices on modern cloud infrastructure.
- Experience building or supporting platform‑level services where many teams depend on your systems for their day‑to‑day work.
- Comfort operating in ambiguous, fast‑changing contexts and driving 0→1 technical decisions with a long‑term mindset.
- Strong collaboration and communication skills, including working effectively with engineers across disciplines and locations.
- Designing, building, and operating distributed backend services and APIs that support core platforms used by multiple product teams worldwide.
- Owning services end‑to‑end — from architecture and implementation to observability, reliability, and continuous improvement in production.
- Defining clear contracts, SLOs, and guardrails so internal teams can safely build on top of the platforms you own.
- Collaborating closely with data, ML, and infrastructure engineers to turn models, datasets, and lower‑level components into robust, easy‑to‑use internal products.
- Leading 0→1 and modernization initiatives, making pragmatic trade‑offs and setting technical standards for high‑leverage systems.
- Experience with data, ML, or AI‑related infrastructure (e.g., experimentation, model serving, or ML platforms) used by multiple product teams.
- Exposure to highly regulated or safety‑critical domains (such as financial infrastructure or crypto) where reliability, compliance, and auditability are essential.
- Background in fast‑growing global tech companies, designing systems that work across products, markets, and regulatory environments.
- Experience mentoring other engineers and contributing to raising the engineering bar through reviews, discussions, and hiring.
Nubank is a digital bank in Latin America that offers financial services mainly through its mobile app, including credit cards, personal loans, and digital payment solutions for individuals and small businesses. Customers access and manage products through the app, with loans earning interest and merchants paying transaction fees; the bank aims to minimize or eliminate fees and provide a simple, transparent user experience. Nubank’s products work by delivering credit and payment services online, with revenue coming from interest on loans, card interchange fees, and premium services. The company differentiates itself through a strong focus on a no-fee, user-friendly digital experience, scale across Brazil, Mexico, and Colombia, and technology-driven operations that emphasize accessibility and transparency. Its goal is to simplify banking, expand access to financial services, and become a leading, trusted financial platform in Latin America.
Company Size
10,001+
Company Stage
IPO
Headquarters
São Paulo, Brazil
Founded
2013
Simplify's Take
What believers are saying
- Brazil penetration remains high, with 62% of adults as customers.[3]
- Mexico already has 15 million customers and reached breakeven in Q1.[3]
- A $1 billion buyback follows record quarterly revenue above $5 billion.[3]
What critics are saying
- Brazilian credit deterioration is increasing loss provisions and squeezing margins.[newsonly]
- The CFO transition unsettles analysts during expansion and capital-planning decisions.[3]
- US expansion faces heavy regulation, competition, and execution risk.[newsonly]
What makes Nubank unique
- Fully digital, no-fee banking built around a mobile app.[1][4]
- Latin America's largest fintech bank, serving 135 million customers.[3][6]
- Proprietary technology and AI support credit-card and unsecured-lending decisions.[3]
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People at Nubank who can refer or advise you
Benefits
Remote Work Options
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
401(k) Retirement Plan
Unlimited Paid Time Off
Paid Vacation
Extended maternity and paternity leaves
Nucleo - Our learning platform of courses
NuLanguage - Our language learning program
NuCare - Our mental health and wellness assistance program
Health Savings Account/Flexible Spending Account
Growth & Insights and Company News
6 month growth
↑ 2%1 year growth
↑ 0%2 year growth
↑ 0%Nubank appoints Carl Rivera as Chief Product Officer. Former Shopify design and product leader will join the executive team, reporting directly to David Vélez, CEO and founder of Nu. May 5, 2026 São Paulo, May 5, 2026 - Nubank, one of the largest digital financial services platforms in the world, today announced the appointment of Carl Rivera as Chief Product Officer (CPO), effective May 18. Rivera will join the executive team, reporting directly to David Vélez, founder and CEO. This comes at a pivotal moment as Nubank accelerates its international expansion and deepens its global-scale product strategy, with a strong focus on craft excellence. Rivera joins Nubank from Shopify, where he spent more than seven years in senior leadership roles across design and product. As Chief Design Officer, he led design company-wide and reimagined its product experiences for the AI era of commerce. As VP of Product, Merchant Services, he oversaw Shopify's commercial backbone, including Payments, Financial Services, Lending, Advertising, Retail, Shipping, Taxes, Shop, and Channel Partners. He also helped transform Shop into one of the world's leading consumer shopping platforms, with Shop Pay redefining mobile checkout. Earlier in his career, Carl co-founded and served as CEO of Tictail, a venture-backed commerce platform acquired by Shopify in 2018. "We are at an inflection point in Nubank's journey as we take our thesis of the future of financial services globally. I'm confident that Carl's experience across global digital platforms and design will be key to translating our mission into products that hundreds of millions of people around the world can rely on every day, as we advance in our international expansion," said David Vélez, founder and CEO of Nubank. "I've spent the last few years of my career scaling global products with product strategy, design, and craft excellence at the center. Nubank is uniquely positioned to take that further, building a new generation of products at global scale that make people wonder how they ever lived without them," said Carl Rivera, Chief Product Officer. In his role, Carl will work in close partnership with Ethan Eismann, Chief Design Officer, and Eric Young, Chief Technology Officer, ensuring tight alignment between tech, product and design to deliver exceptional experiences at global scale.
Nubank launches Vantagens Nu with exclusive offers in the app and discounts in partnership with Shopee for May 5th. A new area in the app centralizes discounts, cashback, and exclusive rewards, expanding customers' purchasing power Apr 29, 2026 São Paulo, April 29, 2026 - Nubank announces the launch of Vantagens Nu (Nu Advantages), a new area of the app designed to centralize and enhance customer benefits. The innovation was created to broaden access to exclusive offers and make it easier to discover perks, helping customers maximize their purchasing power. Nubank has already impacted the finances of millions of customers, distributing more than R$ 16 million in coupons and R$ 40 million in cashback in 2025 through partnerships with highly relevant brands for people's everyday lives. With Vantagens Nu, these benefits become easier to find and use, with new offers arriving regularly. For those who use Nubank for they day by day finances, this is one more way the app works in favor of their money. For the launch, the Vantagens Nu tab will havee exclusive offers, including special actions with major retailers like Shopee, which is already a Nu partner and will now provide recurring benefits to customers, starting with an exclusive promotion for 5.5 (May 5th). For this double-digit date, Nubank customers will have an exclusive offer: R$ 15 off on purchases over R$ 89. "With Vantagens Nu, we want to recognize our customers and help them make their money go further. Bringing together cashback, coupons, and partner offers like Shopee in one place is part of that intention. What guides all this is the conviction that Nubank has to be a true companion, helping the customer make their money work better at every moment of life," says Arthur Valadão, Vice President of Nubank. Vantagens Nu will be made available gradually over the coming weeks to all eligible customers, directly on the app's home screen.
Nubank acquires 'naming rights' to Palmeiras stadium in Brazil: will choose the name by vote. The fintech took over the contract after the termination of the agreement between Allianz Seguros and WTorre, the company managing Palmeiras' stadium; the deal comes one month after the digital bank secured a 'naming rights' agreement with Inter Miami. April 10, 2026 | 03:42 PM Bloomberg Line - Nubank (NU) has acquired the naming rights to the Palestra Itália stadium, home to the soccer team Palmeiras, following the termination of Allianz Seguros' contract with WTorre, the company responsible for managing the stadium since its inauguration in 2014. The Brazilian fintech will open a public vote to choose the new name of the stadium, among the options 'Nubank Parque', 'Nubank Arena', and 'Parque Nubank'. The new name will be announced on May 4, the company reported this Friday, April 10. Nubank and WTorre have not disclosed the value or duration of the contract but have highlighted that the partnership is long-term. This is the digital bank's second major bet in the sector. At the beginning of March, Nubank confirmed the purchase of the naming rights to the new stadium of Inter Miami CF, two months after obtaining conditional approval for a banking license in the United States. Livia Chanes, CEO of Nubank in Brazil, stated that the change is part of the company's recent strategy to offer experiences to its customers. The strategy had a global focus, with the naming rights in Miami and the sponsorship of Mercedes in Formula 1. 'Brazil is our first home. Obviously, we could not leave aside the city where it was founded and the country where we have the largest operation in this new step,' Chanes said in an interview with journalists. In a statement, Allianz Seguros stated that the termination of the contract seven years before its expiration was done amicably and is part of a new marketing strategy for Brazil. 'We are deeply grateful for everything that Allianz Parque has provided us and recognize the importance of the investment for the consolidation of the brand in the country. However, we are living through a period of accelerated growth and territorial expansion and decided to close this cycle to start a new stage,' said Eduard Folch, CEO of Allianz Brasil, in a statement. The company also highlighted that the naming rights case was 'the most successful in Brazil,' inspiring other companies to name stadiums. Among the most emblematic cases, Mondelez Brasil acquired the naming rights to the stadium of São Paulo Futebol Clube, which was renamed Morumbis in January 2024. In the same month, the Pacaembu stadium was renamed 'Mercado Livre Arena Pacaembu' after the Argentine giant bought the naming rights to the stadium.
Nu Holdings, the Latin American digital banking platform, has received bullish analyst upgrades suggesting significant upside potential. Morgan Stanley believes the market underestimates Nu's ability to scale profitably, projecting the company could reach a $100 billion valuation by the end of 2026, up from approximately $70 billion currently. On 19 March, UBS upgraded Nu Holdings to Buy from Neutral with a $17.60 price target, noting shares trade at 2023 levels despite the company doubling earnings since then. The firm highlighted Nu's compelling valuation relative to its growth trajectory, driven by loan portfolio expansion and increasing monetisation of its customer base. Founded in 2013, Nu operates a fully digital banking model across Latin America, offering credit cards, savings accounts, lending, investments and insurance.
Sheikh Khaled holds talks with Nubank CEO. Tuesday, 7 April 2026 16:53 By ARN News Staff His Highness Sheikh Khaled bin Mohamed bin Zayed Al Nahyan, Crown Prince of Abu Dhabi and Chairman of the Abu Dhabi Executive Council, has explored investment opportunities offered in the Emirate during talks with David Vélez, Founder and CEO of Nubank. Nubank, which is a São Paulo-based digital banking and financial services corporation, is set to establish its new headquarters at Abu Dhabi Global Market (ADGM). It's in collaboration with investment, economic, and financial institutions, including the integrated digital banking platform Wio Bank. Founded in Brazil in 2013, the bank manages assets exceeding $78 billion and currently serves more than 100 million customers across Brazil, Mexico, Colombia, Uruguay, the United States and Germany.