Senior Staff / Principal Engineer - Digital Ecosystem

Opportunity We are hiring a Senior Staff or Principal Engineer to support driving the technical vision and execution for Nubank’s Digital Ecosystem division, with initial focus on NuPay, Ads & Rewards and Insurance. This is a division‑level leadership role: you will work with exceptional engineers (including staff engineers), lead cross‑org architectural decisions, negotiate trade‑offs with product/finance/legal, and enable scalable delivery of high‑impact products (checkout & wallet, advertiser platform and benefits hub, and 1‑click insurance products). 2026's vision and (how this role contributes) In 2026 we will transform the Digital Ecosystem into a place where customers discover advantages, pay effortlessly and feel protected, and where merchants grow through data‑driven integrated partnerships. Our priorities are: (1) elevating app quality, (2) deepening customer engagement with contextual and personalized experiences , (3) making Nubank the preferred payments partner and growth engine for merchants , and (4) ensuring scalable, compliant, and financially healthy foundations . This role will own the technical plan to deliver that vision across NuPay, Ads & Rewards and Insurance . Mission design and operationalize the 2–3 year technical end‑state for the Digital Ecosystem so that: • NuPay scales to become the de facto checkout and wallet for Nubank customers (TPV ×2 by Dec/26; wallet >3M MAU), • Ads & Rewards delivers the Advantages Tab, a performant advertiser platform and Ads POC with merchants, and drives material ecosystem revenue, • Insurance launches and scales high‑quality one‑click complements (Mobile Insurance Relaunch, Pix Protegido evolution), while maintaining aggressive SLOs, strong observability, controlled TCO and an elevated engineering culture. Core responsibilities • Support defining the division’s technical end‑state (2–3 years): architecture, shard/partition strategy, migration path (one‑stack) and explicit trade‑offs (cost × latency × availability). • Co-own availability and performance: set SLIs/SLOs, error budgets, runbooks, incident playbooks and an observability strategy that supports merchants with strict SLAs. • Support Ads & Rewards platform design: advertiser platform (audience & campaign management), decision/bidding service, real‑time vs batch decisioning, measurement & attribution (ROAS/incrementality), and minimise impact on app UX. • Drive NuPay ↔ Ads integration for aspirational purchases: real‑time underwriting, multi‑source funding, take‑rate modelling, card‑on‑file / wallet flows and onboarding for flagship merchants. • Enable Insurance delivery: technical enablement for one‑click products, partner integration and governance (e.g., Chubb), migration to subscription/billing platform where applicable, and app quality improvements (TTFD, dashboards, NPS). • Support one‑stack discovery and phased migration: balance platformization with pragmatic delivery and tech‑debt management to avoid blocking growth. • Catalyse product quality culture: introduce and operationalize Product Quality Reviews, drive app excellence rituals, and ensure UX/technical quality are considered across the product lifecycle. • Mentor and grow engineering leaders and staff engineers; run RFCs, tech talks and post‑mortems; design career paths and enable managers to deliver cross‑BU initiatives. • Represent the division in cross‑org negotiations and external partner discussions (merchants, partners, regulators), aligning stakeholders and escalating risks proactively. • Track and report technical impact against business metrics and engineering health indicators. Key business & engineering metrics you will influence • NuPay: TPV growth (2× by Dec/26), wallet MAU (>3M), share‑of‑checkout (SoC), p99 latency and availability for merchant traffic. • Ads & Rewards: ad revenue targets (material ecosystem revenue), ROAS / iROAS / incrementality, CTR, Ads POC results (≥2 merchants), Advantages Tab / Shelves Platform launch. • Insurance: one‑click complements GWP target (R$493M EOY), product NPS (>60 targets), churn reduction via billing/tolerance changes. • Engineering health: Engineering Stability Index (ESI), App Quality Score, incident frequency/severity, time to integrate new partners. Challenges and opportunities (what you’ll own) • World‑class app quality & Magic App MVP: raise engineering and product expectations, and deliver first‑layer Magic App experiences (Advantages Tab, widgets, contextual flows such as AIPB). • Real‑time decisioning and aspirational financing: enable low‑latency ads decisioning and NuPay real‑time underwriting for extended financing while preserving app performance. • One‑click Insurance at scale: deliver MIR (no IMEI) and Pix Protegido evolution, dedicating energy to one‑click complements and partnering with Chubb while retaining monitoring/control. • Capture offline transactions: accelerate NuPay NFC wallet adoption as an offensive play to reach ~3M MAU and increase offline SoC. • Platform & compliance foundations: complete SPB integration, advance One‑Stack Project, meet Magic App and regulatory mandates, and ensure resilient, cost‑effective infra. What you’ll find in the team • 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. • Autonomy to shape architecture, product quality rituals and the division roadmap, plus the responsibility to align delivery across product, infra, legal and commercial stakeholders. What you’ll navigate • Heavy cross‑BU dependencies (Global Platforms, Nubank+, UV, Marketing) requiring strong stakeholder orchestration. • Regulatory changes (SPB/BCB) that may force re‑architecture or open‑scheme decisions. • Dependence on third‑party vendors (wallet SDKs, insurance partners) and partner infra limitations. • Balancing rapid commercialization and monetization with fraud/credit loss control and sustainable unit economics. • Trade‑offs between accelerating one‑stack migration and accepting short‑term technical debt to preserve delivery velocity.