Senior / Staff Software Engineer Fully remote, USA | US$150K–$350K base + equity

Big Wave Digital - USA; Austin (TX); Remote; USD 150,000 - 350,000; Full time

Benefits offered by this job

Remote-first culture within USA

Equity

Medical premiums for you and family

Vision and dental coverage

401(k)

HSA / FSA options

Employee loan program

Job summary

Loancrate, an AI-native fintech platform, is seeking a Senior/Staff Software Engineer to own and deliver end-to-end features across the stack. You will work on multi-step AI agents and critical mortgage workflows, influencing architecture and mentoring teammates.

You’ll build on a TypeScript/Node.js backend with React front-end, scale distributed systems, and partner with experts in security and product. Remote-friendly, USA-based role with strong compensation.

Qualifications

• 7+ years of software engineering experience, including at least 5 years operating at senior level.
• Strong, recent production experience building TypeScript and Node.js backends, alongside hands-on React development.
• Experience scaling high-throughput distributed systems using AWS and Terraform.
• Production experience with Postgres and server-side GraphQL, ideally Apollo and Express.

Responsibilities

• Build full-stack features using TypeScript, React and Node.js.
• Develop multi-step AI agents that automate critical mortgage workflows.
• Integrate lending, underwriting, document and fraud prevention APIs.
• Scale distributed systems and improve backend reliability and observability.
• Make architecture decisions, contribute product ideas and mentor other engineers.

Skills

TypeScript

Node.js backend

React

AWS

Terraform

PostgreSQL

GraphQL

Security awareness

Tools

Apollo

Express

Job description

Big Wave Digital is partnering with Loancrate, an AI-native fintech transforming how home loans are processed, to find a Senior / Staff Software Engineer.

With more than $85 billion in home loans powered through its platform, Loancrate is tackling a complex industry where better software can make a real difference. Think intelligent automation, sophisticated workflows and less time spent on manual processes.

This is a hands-on role for someone who enjoys building across the stack, solving challenging backend problems and taking features from an idea through to production.

What you’ll be working on

• Building full-stack features using TypeScript, React and Node.js.
• Developing multi-step AI agents that automate critical mortgage workflows.
• Integrating lending, underwriting, document and fraud prevention APIs.
• Scaling distributed systems and improving backend reliability and observability.
• Making architecture decisions, contributing product ideas and mentoring other engineers.

What we’re looking for

You’re an experienced Senior or Staff engineer who still loves writing code. You’ve built software products within a high-growth, VC-backed tech company or a major technology business, with clear ownership and progression along the way.

You’ll bring:

• 7+ years of software engineering experience, including at least 5 years operating at senior level.
• Strong, recent production experience building TypeScript and Node.js backends, alongside hands‑on React development.
• A balanced full-stack background, comfortable owning both frontend and backend delivery.
• Experience scaling high-throughput distributed systems using AWS and Terraform.
• Production experience with Postgres and server-side GraphQL, ideally Apollo and Express.
• A product mindset, strong security awareness and the ability to explain your technical decisions.

Experience in fintech, payments, lending or money movement would be particularly useful. Hands‑on AI development, including evaluations and building reliable LLM workflows, is also a bonus.

Why Loancrate?

You’ll have meaningful ownership of complex engineering, backed by a TypeScript‑first stack, strong testing infrastructure and a team that values open communication and fast delivery.

The package includes:

• US$150K–$350K base salary + equity, depending on experience.
• 100% of medical premiums covered for you and your family.
• Vision and dental coverage.
• 401(k).
• HSA / FSA options.
• Access to a lender partner’s employee loan program.
• A remote‑first culture, with flexibility to work where you do your best work within the USA.
• Flexible time off, with trust to manage your own time.

A few practical details

Applicants must be based in the USA and able to work US hours. Visa transfers may be considered; new visa sponsorship is unavailable.

The interview process includes TypeScript/Node live coding, a take‑home exercise, a presentation and system design, plus product and project discussions.