Senior Staff Software Engineer - Money Boxes

Department: Engineer

Location: Palo Alto

Employment Type: FullTime

About Nu

Nu serves more than 140 million customers, guided by a mission to fight complexity and empower people. The company has been leading an industry transformation through innovative products and human-centered services.

Proprietary technology and data at scale power Nu’s digital platform, built to promote financial access, advancement, and transparency. Its business model thrives on customer love and lower costs, feeding a flywheel of growth and profitability.

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About the role
Money Boxes ("Caixinhas") is one of Nubank’s most strategic product innovations, transforming how millions of customers organize, save, and grow their money across Latin America. As Nubank expands into new geographies and financial verticals, we are looking for an exceptional Senior Staff Software Engineer to serve as the chief technical authority for our Money Boxes core platform.

In this role, you will operate at the intersection of high-concurrency distributed systems, transactional ledgering, investment asset allocation, and liquidity orchestration. You won't just maintain existing product flows—you will architect the foundational engines that enable millions of users to dynamically deposit, segment, and yield return on their savings instantly, securely, and at massive scale.

Your Mission: scale an extensible, multi-tenant Money Boxes platform that abstracts complex investment assets, yield generation mechanisms, and regulatory ledgering into simple, bulletproof platform capabilities across multiple international markets.

What You Will Own & Build

• Money Boxes Platform Architecture: Define and execute the multi-year technical vision for Money Boxes backend architecture, ensuring high extensibility to support diverse underlying assets (e.g., fixed income, yield-bearing accounts, money market funds) across different countries.

• Core Ledgering & Transaction Engines: Architect high-throughput, double-entry accounting engines and balance tracking systems that guarantee exact-once delivery, deterministic reconciliation, and real-time calculation of accruals and yield.

• Liquidity & Asset Routing Infrastructure: Design resilient execution flows for deposits, withdrawals, and auto-investments, managing real-time settlement with internal brokerages, clearinghouses, and banking rails with low latencies and zero transactional error margin.

• Multi-Country & Multi-Currency Abstractions: Abstract regional regulatory rules, local tax logic, and currency nuances into clean platform boundaries so product squads can launch localized Money Boxes experiences in record time.

• Technical RFC Leadership: Author comprehensive design documents (RFCs) and drive architectural consensus across Payments, Core Banking, Investments, and Security leadership.

• Engineering Mentorship & Technical Rigor: Elevate engineering standards across Money Boxes squads by mentoring senior engineers in distributed systems design, resilience patterns, fault tolerance, and domain-driven design.

What We Are Looking For

• Senior IC Track Record: Proven experience as a senior technical leader (Staff/Senior Staff level) designing, operating, and scaling highly available, mission-critical distributed systems.

• Fintech, Banking, or Investments Domain Depth: Deep hands-on experience building systems in transactional environments—such as savings platforms, ledger/accounting engines, investment order management, custody, or core banking infrastructure.

• Distributed Systems Mastery: Exceptional fluency in event-driven architectures, transactional consistency, distributed sagas, domain-driven design (DDD), and high-concurrency microservices.

• Platform & API Mindset: Demonstrated ability to build domain-agnostic, developer-friendly platforms and APIs with explicit contracts, SLAs, and high observability that allow consuming product teams to innovate rapidly.

• Strategic & Horizontal Influence: Proven success driving cross-organizational technical alignment, navigating architectural trade-offs, and communicating technical strategy clearly to engineering leaders, Product Managers, and General Managers.

• Language & Location: Professional fluency in English is required for international collaboration. Portuguese or Spanish is a plus. Roles are open in Brazil (hybrid model) or key US hubs..

Why Join Us?

You will join a high-bar engineering culture that values architectural clarity, technical depth, and rapid execution speed. You will directly own the systems that help over 140 million people build financial security and grow their wealth—shaping the future of personal finance technology across global markets.

Work Setup

Work model

[Hybrid / On-Site]

Office requirement

2 days per week at the office.

Our Benefits

• Chance of earning equity at Nubank

• NuCare – Psychological, Financial and Legal Assistance Program

• Life Insurance

• Medical Plan

• NuLanguage – Language Course Program

• Nucleo - Our learning platform of courses

• Extended Parental Leave

• Relocation Assistance Package, if applicable

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.

To maintain a consistent and fair process for every candidate, Nu does not provide individualized technical feedback. See how our policy works here