资深软件工程师 - 贷款基础架构
Staff Software Engineer - Lending Foundations
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。
秉承着对抗复杂性并赋能人们的使命，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
关于该职位
在我们的全球借贷业务单元中，全球借贷基础团队正在构建一个平台，从根本上改变我们在新地区设计、构建和推出借贷决策的方式。
我们的使命是创建工具并演进架构，使在新国家推出借贷产品变得更容易，带来显著的商业影响，并直接参与Nu的全球扩张。
作为资深软件工程师——借贷基础，你将在该平台层担任高级技术领导者：定义借贷平台在不同国家、产品和合作伙伴之间扩展的长期技术方向，并塑造未来所有借贷产品在巴西、美国、墨西哥、哥伦比亚及未来市场的构建方式。
你将从平台规模出发——构建其他团队多年依赖的共享基础设施——同时在一个高度参与、多层级的工程团队中工作，并与产品和业务领袖紧密合作。
你将负责
- 负责借贷基础的架构愿景：定义并演进支撑各国、产品和合作伙伴的借贷产品的平台架构，做出超越单个周期的决策。
- 设计和扩展共享平台功能：构建核心服务、决策原语和集成模式，多个借贷团队都依赖这些功能，平衡灵活性与一致性以及长期可维护性。
- 领导跨团队架构项目：推动工程小组和利益相关者之间的技术选择达成一致，明确前进路径。
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
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 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/ 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.