Senior Full-Stack Engineer – AI-Native

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Cardiff

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2004

💸 Finance

💳 Fintech

🤝 B2B

Finance • Fintech • B2B

Cardiff is a business finance provider that offers a range of lending products for small and medium-sized businesses. Cardiff provides business credit cards, business loans, equipment financing (including ability to finance both titled and non-titled transactions), lines of credit, merchant cash advances, and SBA loans, and targets industry verticals such as auto repair, construction/contracting, dental practices, excavation, landscaping, masonry, plumbing, restaurants, and trucking. The company positions itself as a partner for businesses needing payroll, new equipment, or other working capital needs.

📋 Description

• Own each project end to end: backend, frontend, deployment, and iteration once it's live • Design and launch AI agents that talk to customers, tied to results you can measure • Work with the Lead AI Architect on architecture and the ongoing evolution of Cardiff's AI platform • Build against our shared integrations: Salesforce, Snowflake, Gmail, Zoom, Slack, and internal tools • Reach for best-in-class open source before building from scratch: where the work isn't core IP, adopting a strong community project (think Buzz, the agent-native workspace Block recently open-sourced) beats owning the support and upgrade burden of a homegrown clone • Make AI tooling your default way of building, and read what it produces before it ships • Ship a working v1 today and improve it Monday, instead of a 'perfect' v1 a month from now

🎯 Requirements

• 5+ years of professional software engineering, with senior-level ownership of production systems • Production features shipped using Claude Code, Cursor, Codex, Devin, or similar as your primary way of building, not occasional experimentation • A recent example (within the last six months) of using AI tooling to deliver something 3–5x faster than you could have without it • Range across the stack: Python, modern JavaScript/TypeScript, SQL, REST/GraphQL, and cloud deployment (AWS preferred) • Depth in agent orchestration (loops, graphs, multi-step tool use, multi-agent patterns; LangGraph or similar), with LLM APIs, RAG and vector databases, prompt engineering, and evals running in production, not just prototypes • Build-vs-adopt judgment: fluent enough in the open-source AI ecosystem to reach for a strong community project rather than hand-rolling what already exists • The engineering fundamentals to recognize when AI output is wrong • Nice to have: Salesforce APIs, Snowflake, or fintech/lending data models • Contributions to open-source AI projects • Experience shipping solo or on a small founding team

🏖️ Benefits

• Medical, dental, and vision coverage • 401(k) plan • Flexible PTO and observed holidays • Remote-first, with support for your home-office setup • Direct access to leadership and to the problems that matter