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,