Senior Staff Software Engineer - Debt Resolution

About Nubank
Nu is the world’s largest digital banking platform outside of Asia, serving over 123 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 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks. The Company is preparing for its next growth cycle where it will accelerate its internationalization process outside Latin America, and will also enter new verticals beyond financial services in its core markets taking advantage of the significant customer penetration.

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About the role
We are hiring a Senior Staff Software Engineer to help lead the architectural direction of Nubank’s Global Debt Resolution platform, operating horizontally across all business areas. You will align the debt resolution stack to a cohesive long-term technical vision spanning Lending, Credit Card, and Credit Platform (Core Banking), ensuring we build globally scalable, compliant, and reusable solutions. This is a high‑influence IC leadership role where you will shape both the platform and the teams that build on top of it.

You will identify the right long‑term patterns for collections, renegotiations, and payments, and push them consistently across all business areas and credit domains. By sitting at the intersection of Lending, Credit Card, and Credit Platform, you will ensure every new initiative builds toward a unified, multi‑market debt resolution platform.

Mission
Design and operationalize a horizontal technical strategy for Global Debt Resolution so that:

• Legacy vs. Future is Deliberate: The boundaries between legacy, stable, and future systems are explicit, with clear migration plans and guardrails that reduce long‑term complexity and risk.
• Cross‑BU Leverage is Maximized: High‑leverage capabilities (e.g., renegotiation, late‑state flows, payment allocation, credit core integrations) are built once and reused across Debt Resolution, Lending, Credit Card, and Core Banking, instead of re‑implemented in silos.
• Business & Tech are Seamlessly Aligned: You act as a direct technical partner to business area leads and GMs, turning ambiguous credit/debt constraints into clear platform strategies and delivery roadmaps.

Core Responsibilities

• Lead Architectural Direction for Global Debt Resolution: Define and evolve the long‑term architecture for the Debt Resolution platform.
• Drive Cross‑Unit Collaboration & Alignment: Ensure architectural alignment and smart reuse across Lending, Credit Card, and Credit Platform (Core Banking), avoiding duplicated flows and inconsistent debt behaviors.
• Design for Multi‑Market Scalability: Architect and evolve foundational systems to support multi‑geo rollouts, minimizing per‑country forks and enabling configuration‑driven behavior instead of code‑driven divergence.
• Mentor Senior Engineers & Managers: Act as a technical mentor and challenger ICs and engineering managers in the BU, raising the bar on architectural depth, system thinking, and cross‑domain collaboration.
• Balance Five‑Year Vision with Near‑Term Delivery: Combine long‑term architectural thinking with hands‑on support for current roadmaps in all business areas, ensuring that short‑term delivery steps move us closer to the desired target architecture.

Key Business & Engineering Metrics You Will Influence

• Recovery Efficiency & Economics
• Improved collections and renegotiation efficiency through better tooling and shared capabilities.
• Reduced cost‑to‑serve per renegotiation or resolution flow.
• Platform Reuse & Adoption
• Increased reuse of shared Debt Resolution components across products and geos.
• Higher adoption rate of common patterns and building blocks versus bespoke solutions.
• Engineering Stability & Correctness
• Fewer incidents and production issues related to debt resolution, late‑state flows, or payment allocation.
• Reduced regression and rework when launching new markets or features.
• Time‑to‑Market & Migration Progress
• Faster launch of new markets and debt strategies on top of shared platforms.
• Clear progress on deprecating legacy systems and moving flows into the target architecture.
• Stakeholder Alignment & Satisfaction
• Stronger perception of engineering as a strategic partner by GMs and business leaders.
• Improved clarity of ownership and roadmaps across teams touching Debt Resolution.

Challenges and Opportunities (What You’ll Own)

• Unifying Architectures: You will tackle the challenge of multiple, partially overlapping debt resolution stacks by identifying common patterns and driving convergence toward a single, extensible platform.
• Making the Best Solution the Default Solution: You will ensure that the best ideas from any one team become the default standard for all, through clear patterns, documentation, and hands‑on collaboration.
• Operating with High Agency: You will have the mandate to push for global efficiency and correctness, while working through influence—bringing along Staff+ engineers, EMs, and PMs across multiple BUs.
• Balancing Risk, Compliance, and Speed: You will continually reconcile regulatory constraints, credit risk needs, and product velocity, making trade‑offs explicit and sustainable in the architecture.

What You’ll Navigate

• Complexity of Scale & Legacy: Balancing immediate needs of specific product areas with the long‑term goal of a unified, multi‑market Debt Resolution platform, including leading teams through multi‑year migrations.
• Constant Context & Communication Switching: Moving fluidly between deep technical design reviews and RFCs with engineers, and high‑level strategy discussions with GMs, Product Directors, Risk, and Operations.
• Cross‑Geo & Cross‑BU Collaboration: Working with teams across geographies, and across multiple business units, requiring strong remote collaboration, clarity in documentation, and cultural adaptability.

If you feel interested in these challenges and want to work on a highly engaged and talented team transforming how Debt works in Brazil and beyond, this is the place for you!