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.