Staff Mobile Software Engineer (AI Private Banker, SV) - US - IC7 - 2026

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. Visit our Institutional Page https://www.nu.com/2026-en ABOUT THE ROLE Nu is building the AI Private Banker, a flagship AI product designed to bring personalized financial guidance to customers directly inside the Nu app. As a Staff Mobile Software Engineer, you will be a leading mobile technical voice for this product, shaping new conversational experiences from product definition through production and continuous evolution. Your scope will be the mobile experience as a whole, not a single feature or set of screens inside an established flow. You will set the mobile architecture and product-engineering direction, shape how these interactions behave inside the app, and make the tradeoffs required to move quickly without compromising performance, accessibility, reliability, or customer trust. Your impact will extend beyond the initial product experience. You will define reusable UI components, interaction patterns, and technical foundations that other teams can use to build consistent AI experiences across Nu. You will partner closely with product, design, backend, platform, and AI/ML teams, mentor senior engineers, and remain hands-on and accountable for the experience in production. YOU’LL BE RESPONSIBLE FOR - Set the technical strategy and architecture for the AI Private Banker mobile experience. - Lead the design, implementation, launch, and operation of a new conversational consumer product across iOS and Android. - Partner closely with product and design to translate emerging AI capabilities into interactions that feel simple, useful, and trustworthy. - Define how the experience handles dynamic responses, latency, interruptions, errors, recovery, feedback, and customer control. - Build reusable UI components, interaction patterns, and mobile foundations that can support AI experiences across multiple Nu teams. - Own production quality across performance, accessibility, testing, instrumentation, observability, release readiness, and post-launch health. - Drive alignment across mobile, backend, platform, and AI/ML teams to move complex initiatives from ambiguity to production. - Mentor senior engineers and raise the broader organization’s standards for mobile architecture, product quality, and customer-centered engineering. WE ARE LOOKING FOR A PERSON WHO HAS - A demonstrated track record as the founding or lead mobile engineer on a new consumer product or major zero-to-one launch, with ownership from early definition through production operation. - Deep expertise building and operating production mobile applications on either iOS or Android, with strong judgment across the broader mobile stack. - Experience independently setting architecture and technical direction for a meaningful product area, including making tradeoffs across customer experience, speed, maintainability, performance, and reliability. - Experience creating shared UI components, interaction patterns, design-system capabilities, or mobile foundations adopted by teams beyond the immediate product. - Strong product judgment and experience partnering closely with designers to turn ambiguous concepts into polished consumer experiences. - Experience building complex, stateful mobile flows with deliberate handling of performance, accessibility, testing, failure states, and recovery. - Staff-level influence across engineering and cross-functional teams, including aligning stakeholders, mentoring senior engineers, and raising technical standards. - The ability and willingness to remain hands-on while leading through technical judgment and influence. Prior AI experience is not required. We care more about the depth of your mobile product ownership and your ability to turn an ambiguous idea into a trusted, high-quality consumer experience. NICE TO HAVE - Experience building conversational, assistant, generative AI, or other adaptive product experiences. - Familiarity with real-time or streaming interfaces, model latency, uncertain outputs, and graceful failure states. - Experience launching consumer products across multiple markets, languages, or regulatory environments. - Experience in fintech or another domain where customer trust, privacy, and reliability are essential. - Experience working across mobile and API or backend boundaries. LOCATION This position is based in Palo Alto, California. OUR BENEFITS - Equity at Nu - Medical insurance - Dental and vision insurance - Life and AD&D insurance - Extended parental leave - 401(k) - HSA and FSA options - NuCare, our psychological, financial, and legal assistance program - NuLanguage, our language-learning program - Nucleo, our learning and development platform - Work-from-home allowance - Relocation assistance, when applicable WORK MODEL Nu’s work model is hybrid, with teams working from the office two to three times per week on designated collaboration days. Learn more about Nu’s hybrid work model https://building.nubank.com/nu-hybrid-work-model/. EXPLORE HOW WE BUILD TECHNOLOGY AT NU Learn more through Building Nu https://building.nubank.com.br/ and the Building Nubank YouTube channel https://www.youtube.com/@building.nubank/videos. 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 do