Senior Engineer (Full Stack)

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. 

This is a rare opportunity to join at a pivotal moment. You’ll design and build the core application layer powering AI-driven mortgage underwriting, automation, and operational workflows, working directly with founders and engineering leadership to shape how AI transforms a $17 trillion industry.

You will be part of a focused product and technology team with the backing of a $10 Billion+ New York-based investment fund—giving us stability, scale and resources of an established institution with the speed, innovation and ownership of a startup.

If you thrive in fast-moving environments, love solving complex infrastructure challenges, and want to see your work power real financial decisions for thousands of borrowers, this role is for you.

• 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.
• 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.
• 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.
• Use thorough debugging and troubleshooting methods to resolve software issues.
• Set up and enhance monitoring to improve service stability and performance.
• (Nice to have) Leverage LLM-powered coding assistants to accelerate development, improve code quality, and automate documentation.

• 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.
• Strong understanding of AWS infrastructure and hands-on experience with services such as Serverless Framework, Lambda, and CloudFormation is preferred.
• Proficiency in SQL and NoSQL databases such as Postgres, MongoDB, or MySQL.
• Experience working with Terraform is preferred.
• 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.
• Knowledge of design patterns, data structures and distributed systems is a plus.
• Experience with data engineering (pipelines, ETL workflows, data architecture) is plus.
• Experience using LLM-based coding tools and prompt engineering for code generation, refactoring, or documentation is a plus.
• Prior early-stage startup experience is highly preferred.

• 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