资深移动软件工程师（AI 私人银行家，SV）- 美国 - IC7 - 2026
Staff Mobile Software Engineer (AI Private Banker, SV) - US - IC7 - 2026
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。
Nu 以对抗复杂性、赋能人为使命，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。公司由一个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
关于该职位
Nu 正在打造 AI 私人银行家，这是一款旗舰 AI 产品，旨在将个性化的财务建议直接带入 Nubank 应用程序中。作为资深移动软件工程师，你将成为该产品的主导移动技术声音，从产品定义到生产及持续演进，塑造新的对话式体验。
你的职责范围是整个移动体验，而不仅仅是一个功能或现有流程中的一组界面。你将设定移动架构和产品工程方向，塑造这些交互在应用内的行为方式，并在不牺牲性能、可访问性、可靠性或客户信任的前提下，做出必要的权衡以快速推进。
你的影响将超越初始的产品体验。你将定义可重用的 UI 组件、交互模式和技术基础，其他团队可以使用它们在 Nubank 内构建一致的 AI 体验。你将与产品、设计、后端、平台和 AI/ML 团队紧密合作，指导高级工程师，并对生产环境中的体验保持亲力亲为和责任担当。
你将负责
- 为 AI 私人银行家的移动体验制定技术策略和架构。
- 领导在 iOS 和 Android 上新对话式消费者产品的设计、实现、发布和运营。
- 与产品和设计团队紧密合作，将新兴的 AI 能力转化为简单、有用且值得信赖的交互。
- 确定体验如何处理动态响应、延迟、中断、错误、恢复、反馈和客户协作
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
Nu is building the AI Private Banker, a flagship AI product designed to bring personalized financial guidance to customers directly inside the Nubank app. As a Staff Mobile Software Engineer, you will be a leading mobile technical voice for this product, shaping new conversational experiences from product definition through production and continuous evolution.
Your scope will be the mobile experience as a whole, not a single feature or set of screens inside an established flow. You will set the mobile architecture and product-engineering direction, shape how these interactions behave inside the app, and make the tradeoffs required to move quickly without compromising performance, accessibility, reliability, or customer trust.
Your impact will extend beyond the initial product experience. You will define reusable UI components, interaction patterns, and technical foundations that other teams can use to build consistent AI experiences across Nubank. You will partner closely with product, design, backend, platform, and AI/ML teams, mentor senior engineers, and remain hands-on and accountable for the experience in production.
YOU’LL BE RESPONSIBLE FOR
- Set the technical strategy and architecture for the AI Private Banker mobile experience.
- Lead the design, implementation, launch, and operation of a new conversational consumer product across iOS and Android.
- Partner closely with product and design to translate emerging AI capabilities into interactions that feel simple, useful, and trustworthy.
- Define how the experience handles dynamic responses, latency, interruptions, errors, recovery, feedback, and customer control.
- Build reusable UI components, interaction patterns, and mobile foundations that can support AI experiences across multiple Nubank teams.
- Own production quality across performance, accessibility, testing, instrumentation, observability, release readiness, and post-launch health.
- Drive alignment across mobile, backend, platform, and AI/ML teams to move complex initiatives from ambiguity to production.
- Mentor senior engineers and raise the broader organization’s standards for mobile architecture, product quality, and customer-centered engineering.
WE ARE LOOKING FOR A PERSON WHO HAS
- A demonstrated track record as the founding or lead mobile engineer on a new consumer product or major zero-to-one launch, with ownership from early definition through production operation.
- Deep expertise building and operating production mobile applications on either iOS or Android, with strong judgment across the broader mobile stack.
- Experience independently setting architecture and technical direction for a meaningful product area, including making tradeoffs across customer experience, speed, maintainability, performance, and reliability.
- Experience creating shared UI components, interaction patterns, design-system capabilities, or mobile foundations adopted by teams beyond the immediate product.
- Strong product judgment and experience partnering closely with designers to turn ambiguous concepts into polished consumer experiences.
- Experience building complex, stateful mobile flows with deliberate handling of performance, accessibility, testing, failure states, and recovery.
- Staff-level influence across engineering and cross-functional teams, including aligning stakeholders, mentoring senior engineers, and raising technical standards.
- The ability and willingness to remain hands-on while leading through technical judgment and influence.
Prior AI experience is not required. We care more about the depth of your mobile product ownership and your ability to turn an ambiguous idea into a trusted, high-quality consumer experience.
NICE TO HAVE
- Experience building conversational, assistant, generative AI, or other adaptive product experiences.
- Familiarity with real-time or streaming interfaces, model latency, uncertain outputs, and graceful failure states.
- Experience launching consumer products across multiple markets, languages, or regulatory environments.
- Experience in fintech or another domain where customer trust, privacy, and reliability are essential.
- Experience working across mobile and API or backend boundaries.
LOCATION
This position is based in Palo Alto, California.
OUR BENEFITS
- Equity at Nu
- Medical insurance
- Dental and vision insurance
- Life and AD&D insurance
- Extended parental leave
- 401(k)
- HSA and FSA options
- NuCare, our psychological, financial, and legal assistance program
- NuLanguage, our language-learning program
- Nucleo, our learning and development platform
- Work-from-home allowance
- Relocation assistance, when applicable
WORK MODEL
Nu’s work model is hybrid, with teams working from the office two to three times per week on designated collaboration days.
Learn more about Nu’s hybrid work model https://building.nubank.com/nu-hybrid-work-model/.
EXPLORE HOW WE BUILD TECHNOLOGY AT NUBANK
Learn more through Building Nubank https://building.nubank.com.br/ and the Building Nubank YouTube channel https://www.youtube.com/@building.nubank/videos.
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.