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 divisionlevel leadership role: you will work with exceptional engineers (including staff engineers), lead crossorg architectural decisions, negotiate tradeoffs with product/finance/legal, and enable scalable delivery of highimpact products (checkout & wallet, advertiser platform and benefits hub, and 1click 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 datadriven 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 endstate 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 highquality oneclick 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 endstate (2-3 years): architecture, shard/partition strategy, migration path (onestack) and explicit tradeoffs (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, realtime vs batch decisioning, measurement & attribution (ROAS/incrementality), and minimise impact on app UX.
• Drive NuPay Ads integration for aspirational purchases: realtime underwriting, multisource funding, takerate modelling, cardonfile / wallet flows and onboarding for flagship merchants.
• Enable Insurance delivery: technical enablement for oneclick products, partner integration and governance (e.g., Chubb), migration to subscription/billing platform where applicable, and app quality improvements (TTFD, dashboards, NPS).
• Support onestack discovery and phased migration: balance platformization with pragmatic delivery and techdebt 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 postmortems; design career paths and enable managers to deliver crossBU initiatives.
• Represent the division in crossorg 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), shareofcheckout (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: oneclick 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)

• Worldclass app quality & Magic App MVP: raise engineering and product expectations, and deliver firstlayer Magic App experiences (Advantages Tab, widgets, contextual flows such as AIPB).
• Realtime decisioning and aspirational financing: enable lowlatency ads decisioning and NuPay realtime underwriting for extended financing while preserving app performance.
• Oneclick Insurance at scale: deliver MIR (no IMEI) and Pix Protegido evolution, dedicating energy to oneclick 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 OneStack Project, meet Magic App and regulatory mandates, and ensure resilient, costeffective infra.

What you'll find in the team

• Highcalibre engineers, including staff engineers and experienced engineering managers.
• Complex, highimpact problems at scale: large merchant integrations, realtime decisioning, strict SLOs and multipartner 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 crossBU dependencies (Global Platforms, Nubank+, UV, Marketing) requiring strong stakeholder orchestration.
• Regulatory changes (SPB/BCB) that may force rearchitecture or openscheme decisions.
• Dependence on thirdparty vendors (wallet SDKs, insurance partners) and partner infra limitations.
• Balancing rapid commercialization and monetization with fraud/credit loss control and sustainable unit economics.
• Tradeoffs between accelerating onestack migration and accepting shortterm technical debt to preserve delivery velocity.