高级资深工程师，AI核心
Senior Staff Engineer, AI Core
关于Nu
Nu是拉丁美洲领先的数字银行，为巴西、墨西哥和哥伦比亚的1.4亿客户提供服务。公司通过利用数据和专有技术开发创新产品和服务，引领行业变革。
以对抗复杂性和赋能人们为使命，Nu为客户提供完整的金融旅程，通过负责任的贷款和透明度促进金融可及性和进步。公司由高效且可扩展的商业模式驱动，结合低成本服务与不断增长的回报。
Nu的影响力已获得多项奖项的认可，包括《时代》100家最具影响力公司、《快公司》最具创新力公司以及福布斯全球最佳银行。
访问我们的机构页面 https://www.nu.com/2026-en
职位描述
在Nu，AI私人银行家是我们智能的财务伙伴，帮助数百万客户了解自己的财务状况，做出自信的决策，并无缝采取行动。作为该团队的资深软件工程师，您将定义支持对话式AI、推荐引擎和个性化财务体验的完整技术架构，覆盖移动端和网页端。
您将负责从触及数百万用户的Flutter移动应用到处理实时推荐和对话式AI交互的分布式后端系统，整个技术栈。这不仅仅是构建功能；更是创建让金融赋能在大规模上成为可能的工程基础。
在这里，您所做的每个技术决策都会直接影响数百万人体验财务指导的方式。您将在银行业务和前沿AI的交汇点工作，构建既创新又可靠的系统。每个产品互动背后，都有充满好奇心的人重新定义可能性——而您将是其中之一。
您将负责
- 领导AI私人银行家完整平台的技术架构和设计决策，确保移动端和后端系统的可扩展性和性能。
- 构建和维护Flutter移动应用，为iOS、Android和Web上的数百万用户提供无缝的对话式AI体验。
- 设计和实现分布式后端服务，支持推荐引擎、对话式AI集成和实时个性化。
- 与产品、设计和数据团队合作，将雄心勃勃的产品目标转化为清晰的工程实现。
查看英文原文
ABOUT NU
Nu is the leading digital bank in Latin America, serving 140 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.
Visit our Institutional Page https://www.nu.com/2026-en
About the Role
At Nu, the AI Private Banker is our intelligent financial partner that helps millions of customers understand their finances, make confident decisions, and take action seamlessly. As a Staff Software Engineer on this team, you'll define the technical architecture that powers conversational AI, recommendation engines, and personalized financial experiences across mobile and web.
You'll own the full stack from Flutter mobile apps that reach millions of users to distributed backend systems that process real-time recommendations and conversational AI interactions. This isn't just about building features; it's about creating the engineering foundation that makes financial empowerment accessible at scale.
Here, every technical decision you make directly impacts how millions of people experience financial guidance. You'll work at the intersection of banking and frontier AI, building systems that are both innovative and reliable. Behind every product interaction, there are curious minds redefining what's possible—and you'll be one of them.
You'll be responsible for
- Lead the technical architecture and design decisions for AI Private Banker's full-stack platform, ensuring scalability and performance across mobile and backend systems.
- Build and maintain Flutter mobile applications that deliver seamless conversational AI experiences to millions of users across iOS, Android, and Web.
- Design and implement distributed backend services that power recommendation engines, conversational AI integration, and real-time personalization.
- Collaborate with product, design, and data teams to translate ambitious product goals into clear, phased technical roadmaps.
- Drive engineering best practices across the team through code reviews, technical mentorship, and architectural guidance.
- Own the technical strategy for deploying and maintaining a unified user experience across multiple platforms and markets.
- Integrate AI/ML model outputs into consumer-facing applications, ensuring real-time performance and reliability.
- Make decisive technical trade-offs that balance innovation, scalability, and operational excellence.
We are looking for a person who has
Required
- Experience as a Sr. Staff/Staff Engineer shipping complex, large-scale consumer-facing mobile applications.
- Strong track record of designing, building, and operating high-throughput, fault-tolerant backend services using microservices architecture and event-driven design.
- Proven ability to take complete technical ownership of a major product area, making informed trade-offs on architecture and implementation.
- Experience working with data systems, APIs, and pipelines necessary to power AI/ML outputs within user interfaces.
- Track record of leading technical initiatives and mentoring other engineers on architecture, performance, and operational excellence.
Nice to have
- Experience in the FinTech or highly regulated industry.
- Familiarity with cloud-native development (AWS).
- Proficiency in one or more backend languages suitable for high-scale applications (e.g., Go, Java, Python, Clojure).
- Experience building conversational AI interfaces or recommendation systems.
- Track record of scaling mobile applications across multiple global markets
Benefits:
- Top Tier Medical Insurance
- Top Tier Dental and Vision Insurance
- 20 days off, 14 company holidays, and a great culture that emphasizes work-life balance.
- Life Insurance and AD&D
- Extended maternity and paternity leaves
- Nucleo - Our learning platform of courses
- NuLanguage - Our language learning program
- NuCare - Our mental health and wellness assistance program
- 401K
- Saving Plans - Health Saving Account and Flexible Spending Account
Compensation:
Total compensation includes base salary, RSUs, and benefits. Base salary: $345k+ annually.
Location for this opportunity
Palo Alto, United States
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 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.