Full-Time
Lead Mobile Engineer
Crypto
Posted on 8/22/2026
Nubank
10,001+ employees
Digital bank offering credit cards
No salary listed
Palo Alto, CA, USA
Hybrid
Hybrid work requires being in the office at least twice a week.
 Software Engineering (1) |
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- Strong experience building and operating production mobile applications, combined with the ability to work across application programming interfaces and backend services, or equivalent full-stack depth with meaningful mobile delivery experience.
- A track record of independently leading a medium-term engineering initiative from technical design through production operation.
- Strong foundations in client architecture, state management, application programming interface contracts, testing, performance, and reliability.
- Product judgment and experience simplifying complex or high-stakes workflows for customers.
- Experience designing and operating transactional or security-sensitive product features.
- Ability to communicate technical decisions clearly and collaborate effectively with product, design, and engineering partners.
- Experience mentoring engineers and improving team-level engineering practices.
- Lead the design, implementation, launch, and operation of customer-facing mobile and full-stack crypto experiences.
- Own complete product flows across mobile interfaces, application programming interfaces, service integrations, data and state management, release readiness, and post-launch health.
- Translate complex concepts such as wallets, asset movement, and onchain transactions into clear, understandable customer experiences.
- Make independent team-level architecture decisions and communicate tradeoffs across usability, security, performance, reliability, and delivery speed.
- Build resilient transactional experiences with deliberate validation, error handling, recovery paths, testing, and observability.
- Coordinate dependencies with backend, platform, security, compliance, product, and design partners to move initiatives from ambiguity to production.
- Mentor engineers and raise the team's standards for mobile architecture, code quality, operational ownership, and customer-centered engineering.
- Experience building crypto, wallet, digital-asset, or onchain product experiences.
- First-hand familiarity with crypto products and user journeys through professional work, building, or sustained personal use.
- Experience in fintech, payments, banking, or another regulated product environment.
- Depth in one or more native or cross-platform mobile ecosystems.
- Experience delivering products across multiple markets, platforms, or customer contexts.
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
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Simplify's Take
What believers are saying
- August 13, 2026: quarterly net income topped $1.06 billion for the first time.
- Q2 2026 revenue rose 39% to $5.88 billion, beating estimates.
- August 2026: Nubank Croma deepens monetization with cashback, NuCel, and subscription perks.
What critics are saying
- Q2 2026 cost of credit stayed $1.69 billion, 60% above last year.
- Q2 2026 90-plus day delinquencies reached 6.9%, after Q1's 6.5%.
- U.S. bank launch still needs FDIC and Federal Reserve approvals within 12 months.
What makes Nubank unique
- August 2026: Nubank serves 139 million customers across Brazil, Mexico, and Colombia.
- Q2 2026: its risk-adjusted NIM hit 12.4%, a company record.
- NuFormer AI handles over 60% of Brazilian support conversations at human parity.
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Benefits
Company Equity
Meal Benefits
Commuter Benefits
Wellness Program
Mental Health Support
Legal Services
Life Insurance
Health Insurance
Dental Insurance
Training Programs
Parental Leave
Childcare Support
Family Planning Benefits
Home Office Stipend
Gym Membership
Paid Vacation
Relocation Assistance
Hybrid Work Options
401(k) Retirement Plan
Health Savings Account/Flexible Spending Account
Growth & Insights and Company News
6 month growth
↓ -2%1 year growth
↓ -3%2 year growth
↓ -3%Nu Holdings, a leading digital banking platform in Latin America, added 4 million customers last quarter, bringing its total to 139 million users. The fintech company, with a $71 billion market capitalisation, reported second-quarter revenue of $5.9 billion, up 39% year over year on a currency-neutral basis. Monthly average revenue per active customer increased 22% year over year to $17.10. Net income surged 49% to nearly $1.1 billion, exceeding $1 billion for the first time, with a net profit margin of 18.1%. Nu's deposit base grew from $18 billion in Q2 2023 to $45.3 billion. The company serves large unbanked and underbanked populations across Latin America, with 35% of its Mexican customers never having had a bank account previously.
Nu Holdings, the digital bank operating as Nubank, now serves more than half of Brazil's adult population, with 118 million customers in the country by the end of Q2. The company reported its first $1 billion quarterly net income, up 49% year-over-year on a currency-neutral basis, with a 33% return on equity. The bank's monthly activity rate in Brazil exceeded 86%, indicating active account usage. Globally, Nu reached 138.9 million customers, growing 13% annually. Monthly average revenue per active customer rose 22% to $17.10, whilst servicing costs remained around $1 per customer. Nu's credit portfolio grew 37% to $39.4 billion, deposits increased 18% to $45.3 billion, and gross profit climbed 43% to $2.4 billion, all on a currency-neutral basis.
Nu Holdings reported second-quarter 2026 earnings that beat expectations, with EPS of $0.22 versus a consensus estimate of $0.20 and revenue of $5.51 billion topping the $5.45 billion forecast. Risk-adjusted net interest margin expanded to a record 12.4% from 9.5% in the prior quarter. CFO Rob Livingston attributed roughly one-third of the margin expansion to the Desenrola programme, with the remainder from solid credit performance and higher balances. He told analysts margins should remain in the same region for the foreseeable future, though cautioned against treating 12.4% as a floor. CEO David Vélez highlighted the expansion of NuFormer, the company's AI system, which now supports credit cards in Brazil and Mexico and unsecured lending in Brazil. AI agents handle more than 60% of customer-support conversations in Brazil at or above human parity.
Nu Holdings shares surged 9.1% in pre-market trading after reporting its first quarterly profit exceeding $1 billion. The Latin American digital banking group posted net income of $1.06 billion for the second quarter, representing 49% currency-neutral growth and beating analyst expectations of $967 million. Total revenue reached $5.88 billion, whilst earnings per share of $0.22 surpassed the $0.20 consensus estimate. Risk-adjusted net interest margin climbed to a record 12.4%, and the efficiency ratio fell to an all-time low. Nu's board authorised a $1 billion share repurchase programme. The company also announced Nubank's acquisition of Banco Porto Real de Investimentos to secure an additional Brazilian banking licence. Nu Mexico reached break-even and became the country's third-largest financial institution.
Nu Holdings reported second-quarter earnings of $0.22 per share, exceeding the Zacks Consensus Estimate of $0.20 per share. This represents a 10% earnings surprise and compares to $0.14 per share in the same quarter last year. The Brazilian digital bank posted revenues of $5.51 billion for the quarter ended June 2026, surpassing consensus estimates by 1.08%. This compares to year-ago revenues of $3.67 billion. The company has topped consensus revenue estimates three times over the past four quarters. Despite the positive results, Nu shares have declined approximately 19% year-to-date, whilst the S&P 500 has gained 13.2%. The company currently holds a Zacks Rank of 4 (Sell), suggesting potential near-term underperformance based on unfavourable earnings estimate revision trends.