Senior Staff Software Engineer - Debt Resolution

• Lead Architectural Direction for Global Debt Resolution: Define and evolve the long‑term architecture for the Debt Resolution platform.
• Drive Cross‑Unit Collaboration & Alignment: Ensure architectural alignment and smart reuse across Lending, Credit Card, and Credit Platform (Core Banking), avoiding duplicated flows and inconsistent debt behaviors.
• Design for Multi‑Market Scalability: Architect and evolve foundational systems to support multi‑geo rollouts, minimizing per‑country forks and enabling configuration‑driven behavior instead of code‑driven divergence.
• Mentor Senior Engineers & Managers: Act as a technical mentor and challenger ICs and engineering managers in the BU, raising the bar on architectural depth, system thinking, and cross‑domain collaboration.
• Balance Five‑Year Vision with Near‑Term Delivery: Combine long‑term architectural thinking with hands‑on support for current roadmaps in all business areas, ensuring that short‑term delivery steps move us closer to the desired target architecture.

• Recovery Efficiency & Economics
• Improved collections and renegotiation efficiency through better tooling and shared capabilities.
• Reduced cost‑to‑serve per renegotiation or resolution flow.
• Platform Reuse & Adoption
• Increased reuse of shared Debt Resolution components across products and geos.
• Higher adoption rate of common patterns and building blocks versus bespoke solutions.
• Engineering Stability & Correctness
• Fewer incidents and production issues related to debt resolution, late‑state flows, or payment allocation.
• Reduced regression and rework when launching new markets or features.
• Time‑to‑Market & Migration Progress
• Faster launch of new markets and debt strategies on top of shared platforms.
• Clear progress on deprecating legacy systems and moving flows into the target architecture.
• Stakeholder Alignment & Satisfaction
• Stronger perception of engineering as a strategic partner by GMs and business leaders.
• Improved clarity of ownership and roadmaps across teams touching Debt Resolution.

• Unifying Architectures: You will tackle the challenge of multiple, partially overlapping debt resolution stacks by identifying common patterns and driving convergence toward a single, extensible platform.
• Making the Best Solution the Default Solution: You will ensure that the best ideas from any one team become the default standard for all, through clear patterns, documentation, and hands‑on collaboration.
• Operating with High Agency: You will have the mandate to push for global efficiency and correctness, while working through influence—bringing along Staff+ engineers, EMs, and PMs across multiple BUs.
• Balancing Risk, Compliance, and Speed: You will continually reconcile regulatory constraints, credit risk needs, and product velocity, making trade‑offs explicit and sustainable in the architecture.

• Complexity of Scale & Legacy: Balancing immediate needs of specific product areas with the long‑term goal of a unified, multi‑market Debt Resolution platform, including leading teams through multi‑year migrations.
• Constant Context & Communication Switching: Moving fluidly between deep technical design reviews and RFCs with engineers, and high‑level strategy discussions with GMs, Product Directors, Risk, and Operations.
• Cross‑Geo & Cross‑BU Collaboration: Working with teams across geographies, and across multiple business units, requiring strong remote collaboration, clarity in documentation, and cultural adaptability.

If you feel interested in these challenges and want to work on a highly engaged and talented team transforming how Debt works in Brazil and beyond, this is the place for you!