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 DoCollaboratively define, scope, and architect new platform capabilities on top of a 6-year-old Rails monolith serving mission-critical construction lending workflowsTake ownership of extending and improving legacy systems - adding payments, integrations, and new features in a seamless, secure, and scalable wayWrite and optimize SQL, design schema migrations, and ensure API payloads are efficient and well-structuredDevelop and maintain web (React, Hotwire, TypeScript, Tailwind) and mobile-facing (React Native) features, ensuring platform alignmentManage background processing and job queuing (Sidekiq) to ensure system reliability without over-reliance on expensive vendor solutionsIdentify where legacy implementations need improvement and propose practical migration paths balancing engineering quality with business constraintsHelp establish engineering culture, conventions, and development practices as the team scalesServe as a technical leader and mentor others on the teamManage the end-to-end software delivery lifecycle, including testing, release management, and monitoringCommunicate 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 environmentsStrong proficiency with Ruby on Rails, including extending and maintaining mature monoliths and legacy systemsExperience shipping and maintaining production applications used by real customersU.S. work authorization - visa sponsorship is not available Also required:Proficiency with React, TypeScript, Tailwind, and HotwireExperience with mobile frontend development using React NativeStrong SQL and PostgreSQL experience, including schema design and migrationsExperience with background processing and job queues (Sidekiq)Hands-on experience with payments integrations and related API design, ideally within fintech, proptech, or construction lendingAbility to architect platform capabilities, scope features, and make sound design decisions for scalable systemsComfort working cross-functionally and communicating problems and solutions clearlyStrong problem-solving skills in ambiguous, fast-moving environments Compensation & BenefitsSalary: $175,000 - $225,000 USD annuallyFully 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.