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
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