Senior Software Engineer

About the Role

We’re looking for a Senior Fullstack Engineer to own product work end-to-end — from frontend to backend — with full production responsibility. You’ll work closely with product and design to turn complex financial workflows into intuitive, reliable experiences, shaping technical decisions across the stack and raising the bar for the engineers around you.

What You’ll Do

Within 3 months, you will:

• Ship your first production contribution and develop a strong understanding of our architecture, codebase, and key product workflows

• Form a clear point of view on at least one technical area that could be improved

• Begin contributing to design and code reviews with technical perspective

Within 6 months, you will:

• Own a significant feature end-to-end — from technical design to production — across frontend and backend

• Identify and address quality or consistency issues in the codebase proactively

• Start mentoring teammates through code reviews and technical pairing

Within 9 months, you will:

• Consistently own complex features with full autonomy, including cross-cutting architectural decisions

• Make material improvements to core platforms or critical business logic

• Influence technical standards on the team and be the engineer teammates pull in for hard problems

What You’ll Bring

• 7+ years of software engineering, with strong command of TypeScript across the full stack (Node.js backend, React frontend)

• Experience designing and building REST and/or GraphQL APIs with production ownership

• Ability to understand broad system architecture and make well-reasoned design tradeoffs

• Solid experience with relational databases (PostgreSQL preferred) — schema design, query optimization

• Cloud infrastructure experience (AWS preferred) and modern CI/CD practices

• Communicates technical complexity clearly to product and cross-functional stakeholders

• Uses AI tooling natively as part of your engineering workflow

Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

What’s In It For You?

• Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.

• Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.

• Paid Time Off and National Holidays: Enjoy 20 PTO days yearly and the National Holidays for relaxation and rejuvenation.

• Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.

• Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.

• Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.

About Us

Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt.  Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.

Please note: This position is offered on a contractor basis. Applicants must have the necessary documentation and authorization to work in the country where the job is located. Clutch cannot provide sponsorship or assist with obtaining work permits for this role.

A Note About AI at Clutch
We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you'll bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation.

That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!