Senior Full-Stack Engineer (AI-Native)

About Cardiff

Cardiff lends to small businesses. Since 2004 we've funded more than $12.4 billion across the country, to businesses in logistics, healthcare, construction, professional services, and plenty in between. We're building our own underwriting technology, and we still answer the phone; our customers need capital fast, and they want a straight answer from a person who can actually help.

The role

We're hiring a senior full-stack engineer who is genuinely AI-native. Someone who treats Claude Code, Codex, Cursor, and the modern tooling stack as a force multiplier and ships at velocities that weren't possible 18 months ago.

This is not a role for someone who uses AI tools to assist their existing workflow. It's for someone who has rebuilt their workflow around these tools and ships full features in days where traditional teams ship in weeks.

You'll own execution end-to-end on a portfolio of high-leverage projects, working directly with our Lead AI Architect on system design and architecture across Cardiff's AI platform.

What you'll do

• Take prototypes to production in days, not weeks.
• Partner closely with our Lead AI Architect on architecture, system design, and the evolution of Cardiff's AI platform.
• Build and ship AI agents touching real customers - SMS, email, voice - with measurable outcomes in lead nurturing, transactions, and retention.
• Integrate across Salesforce, Snowflake, Gmail, Zoom, Slack, and internal services.
• Own the full lifecycle: backend, frontend, deployment, monitoring, iteration.
• Work directly with operations, sales, underwriting, and marketing leaders. Translate business needs into shipped product the same week.
• Iterate relentlessly in production. We'd rather ship a v1 today and refine it Monday than ship a perfect v1 next month.

Who you are

• You've personally shipped production features using Claude Code, Codex, Cursor, or equivalent as your primary development mode - not a side experiment.
• You can point to recent work, in the last six months, where AI tooling let you ship something a traditional engineer would have taken three to five times longer to deliver.
• Strong fundamentals. You know when the AI is wrong, you read what it generates, you understand the systems you're building on.
• Comfortable across the stack: Python, modern JS/TS, SQL, REST/GraphQL, cloud deployment.
• Bias toward shipping. A rough v1 in production beats a polished v1 in staging.
• Direct communicator. When something's blocked, you say so the same day.
• You don't need a spec to start. A one-line goal and a 15-minute call with a business stakeholder is enough to come back with a working prototype.

Bonus

• Salesforce APIs, Snowflake, or fintech/lending data models
• Built or contributed to MCP servers
• Agentic systems: tool use, multi-step reasoning, evals
• Shipped solo or as part of a small founding team

What we offer

• Competitive base plus performance-based comp.
• Fully remote, US-based.
• Direct access to leadership and the problems that matter.
• Real ownership. Your work will be in production in your first week.
• A team that ships, breaks things, fixes them, and ships again.

On pedigree

We care less about the brand on your resume than what you've shipped in the last 90 days. A self-taught engineer with a GitHub full of working AI-native projects beats a 15-year veteran just starting to explore these tools.

Show us the work.

Cardiff is an equal opportunity employer. We hire for talent, velocity, and judgment.