Principal Software Engineer - Credit Card

Opportunity

We are hiring a Principal Engineer to drive architectural consistency and technical excellence for Nubank’s Global Credit Card division—our largest business unit . Y ou will operate across core platforms and product areas to ensure we are building globally optimal solutions . This is a high-influence leadership role where you will align technical strategy with business General Managers to maximize the impact of our platform investments .

In 2026, the Credit Card division will focus on maturing our core platform to support massive scale while maintaining rapid product innovation . This role is the "downward force" that identifies efficient architectural patterns and pushes them across the organization . By sitting across multiple business areas, you will prevent technical silos and ensure that every engineering investment reinforces a unified, scalable global architecture .

Design and operationalize a horizontal technical strategy for the Credit Card division so that:

• Architectural Fragmentation is Minimized:
  Global patterns are identified and disseminated, preventing teams from solving the same problems in isolation .
• Platform Investments are Maximized:
  High-leverage solutions are pushed "down the stack" to provide efficiency for all product consumers .
• Business & Tech are Seamlessly Aligned:
  You act as a direct partner to General Managers, translating complex technical trade-offs into business-centric outcomes.

• Drive Cross-Platform Impact:
  Identify opportunities for globally optimal outcomes across the division’s core platforms and consumer products.
• Architectural Pattern Leadership:
  Monitor diverse projects to find commonalities; build and disseminate architectural patterns that elevate the entire organization.
• Strategic Mission Strategizing:
  Maintain the flexibility to jump into urgent, high-stakes technical investigations or strategic missions as needed.
• Business Stakeholder Partnership:
  Work independently with General Managers to align technical roadmaps with commercial goals .
• Technical Mentorship & Culture:
  Act as a peer to engineering leadership, raising the bar and mentoring staff engineers on cross-functional thinking .
• Horizontal Execution:
  Unlike a "narrow and deep" expert, you will maintain a wide orientation to ensure end-to-end technical health across the division .

• Global Efficiency:
  Reduction in redundant work across sub-divisions .
• Platform Adoption:
  Speed and depth of downward-pushed architectural solutions across product teams .
• Engineering Stability:
  Reduction in incidents caused by fragmented or inconsistent architectural patterns .
• Business Alignment:
  Successful delivery of strategic projects and high-stakes technical investigations.

• Bridging the Gap:
  You will solve the problem of siloed excellence by ensuring that the best solutions from one team become the standard for all .
• Influential Agency:
  You will have the mandate to push for global efficiency.

• High‑calibre engineers, including staff engineers and experienced engineering managers.
• Complex, high‑impact problems at scale: large merchant integrations, real‑time decisioning, strict SLOs and multi‑partner dependencies.
• Unprecedented Scope:
  The ability to influence the technical direction of Nubank’s most critical and high-volume division .

• Complexity of Scale:
  Balancing the immediate needs of specific product areas with the long-term goal of global platform efficiency .
• Communication Switching:
  Moving between deep technical RFCs with engineers and high-level strategy sessions with General Managers .
• Geographic Flexibility:
  Working across teams in the US and Brazil, requiring strong remote collaboration and cultural adaptability .