Full-Stack Engineer

ABOUT THE ROLE A seed-stage construction lending fintech is looking for a Full-Stack Engineer with 6+ years of experience to join a small, high-velocity remote team. You'll work across the entire stack — from database schema design and API development to React front-end UI — extending and improving a mature, mission-critical Rails monolith that powers construction lending workflows. This is a hands-on, high-ownership role for a pragmatic engineer who thrives in ambiguity and is genuinely curious about domains outside their own expertise. Experience in construction, fintech, proptech, or any domain requiring deep business understanding is a strong plus. Visa sponsorship is not available; candidates must have U.S. work authorization. WHAT YOU'LL DO - Collaboratively define, scope, and architect new platform capabilities on top of a 6-year-old Rails monolith serving mission-critical construction lending workflows - Take ownership of extending and improving legacy systems — adding payments, integrations, and new features in a seamless, secure, and scalable way - Write and optimize SQL, design schema migrations, and ensure API payloads are efficient and well-structured - Develop and maintain web (React, Hotwire, TypeScript, Tailwind) and mobile-facing (React Native) features, ensuring platform alignment - Manage background processing and job queuing (Sidekiq) to ensure system reliability without over-reliance on expensive vendor solutions - Identify where legacy implementations need improvement and propose practical migration paths balancing engineering quality with business constraints - Help establish engineering culture, conventions, and development practices as the team scales - Serve as a technical leader and mentor others on the team - Manage the end-to-end software delivery lifecycle, including testing, release management, and monitoring - Communicate proactively in a fully remote, async-friendly environment — articulate your thinking, ask the right questions, and collaborate through conversation WHAT WE'RE LOOKING FOR Required (dealbreakers): - 6+ years of full-stack software development experience in production environments - Strong proficiency with Ruby on Rails, including extending and maintaining mature monoliths and legacy systems - Experience shipping and maintaining production applications used by real customers - U.S. work authorization — visa sponsorship is not available Also required: - Proficiency with React, TypeScript, Tailwind, and Hotwire - Experience with mobile frontend development using React Native - Strong SQL and PostgreSQL experience, including schema design and migrations - Experience with background processing and job queues (Sidekiq) - Hands-on experience with payments integrations and related API design, ideally within fintech, proptech, or construction lending - Ability to architect platform capabilities, scope features, and make sound design decisions for scalable systems - Comfort working cross-functionally and communicating problems and solutions clearly - Strong problem-solving skills in ambiguous, fast-moving environments COMPENSATION & BENEFITS - Salary: $175,000 – $225,000 USD annually - Fully remote work environment LOCATION Fully remote. Preference for California-based candidates with availability during core hours of 10am–3pm MT. The team is headquartered in the Tempe, Arizona area.