About This Role
Saaf Finance is building the AI workforce for the mortgage industry. We are an AI startup integrated with a top-10 mortgage lender, American Heritage Lending (AHL). Together we are combining AHL's 15+ years of mortgage origination expertise with the power of AI-native innovation to redefine what's possible in mortgage lending.
As a Full Stack Engineer at Saaf Finance, you will design and ship software that automates complex mortgage workflows while collaborating closely with founders, engineers, and design. We are an AI-native engineering team: AI-assisted development tools are a regular part of how we build, review, and ship software. We expect engineers to use these tools thoughtfully and effectively as part of their daily workflow.
Responsibilities
Product & Engineering
- Design, develop, and maintain scalable software solutions that automate mortgage-related processes and support collaboration among end users.
- Work closely with founders, senior engineers, and design teams to translate customer needs into effective, practical software.
- Shape engineering strategy and contribute to new product features and team planning.
Architecture & APIs
- Design and maintain scalable systems, APIs, and services that are easy to update, expand, and secure.
- Design, implement, and document RESTful and/or GraphQL APIs that are robust, secure, and easy to use.
- Ensure data integrity, security, and governance across applications, following best practices for data management and compliance.
- Foster a security-first mindset in all development activities.
AI-Integrated Development
- Leverage AI-assisted development tools (code generation, intelligent autocomplete, automated refactoring) as a regular part of your workflow to accelerate delivery and improve code quality.
- Use AI tools to support documentation, code review, test generation, and knowledge sharing across the team.
- Evaluate and integrate emerging AI development tools and practices, helping the team continuously improve how we build software.
- Apply AI-assisted analysis to debugging and troubleshooting workflows where appropriate.
Team & Process
- Break down and organize large projects into manageable tasks, ensuring clarity and alignment within the team.
- Encourage documentation and knowledge sharing to promote collaboration and onboarding.
- Create an environment where everyone feels safe to express ideas and disagreements, and is open to new perspectives.
- Ensure team discussions focus on organizational goals and strategies.
- Regularly review and improve team methods and workflows.
- Guide and support team members, helping to build skills and ensure mutual coverage.
Reliability & Operations
- Use thorough debugging and troubleshooting methods to resolve software issues.
- Set up and enhance monitoring to improve service stability and performance.
Qualifications
Required
- 5+ years of experience as a Full Stack Developer, with experience spanning both frontend and backend development.
- 3+ years of experience working with frontend JavaScript frameworks such as React or Angular, and backend technologies like NodeJS (these may overlap).
- Strong experience designing and implementing APIs (RESTful and/or GraphQL), including versioning, documentation, and security best practices.
- Demonstrated, regular use of AI-powered development tools (e.g., Cursor, GitHub Copilot, Claude Code, or similar) to accelerate coding, debugging, or documentation workflows.
- Proficiency in SQL and NoSQL databases such as Postgres, MongoDB, or MySQL.
- Solid understanding of the software development life cycle and Agile methodologies.
- Proven experience leading a team or architecting a large-scale enterprise product.
- Exceptional problem-solving, debugging, and software design skills.
- Excellent written and verbal communication skills.
- Self-driven with a strong work ethic and passion for excellence.
- Ability to work effectively both independently and as part of a team.
Preferred
- Strong understanding of AWS infrastructure and hands-on experience with services such as Serverless Framework, Lambda, and CloudFormation.
- Experience working with Terraform.
- Experience with prompt engineering for code generation, refactoring, test creation, or building AI-powered product features.
- Knowledge of design patterns, data structures, and distributed systems.
- Experience with data engineering (pipelines, ETL workflows, data architecture).
- Prior early-stage startup experience is highly preferred.
Benefits
- Competitive salary
- High ownership from day one — your work will directly shape core systems and products
- Fast-paced environment with quick decision cycles and minimal bureaucracy
- Remote-first team with flexibility on work hours and location
- Direct access to founders and cross-functional teams — no layers, no silos
- Clear expectations, regular feedback, and support for professional growth
- Work on real problems in a complex, high-impact industry
