Senior Full Stack Engineer

Department: Engineering

Location: India

Employment Type: FullTime

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