---
title: 'Associate Software Engineer at Point Digital Finance, Inc.'
canonical: 'https://feeny.ai/job/associate-software-engineer-point-digital-finance-inc-san-francisco-california-1b1kg67akjbq'
type: 'job'
last_seen: '2026-09-24'
---

# Associate Software Engineer at Point Digital Finance, Inc.

- **Company:** Point Digital Finance, Inc.
- **Location:** San Francisco California, United States
- **Posted:** 2026-09-22
- **Last confirmed live:** 2026-09-24
- **Apply:** https://point.com/hiring?gh_jid=8829278002

## Job description

## About Point

✨ Real Impact, Real People: Our mission at Point is to make homeownership more valuable and accessible. Your work directly helps homeowners access their wealth, achieve financial flexibility, and realize life changing goals.

✨ Funding: With over $175M raised from top investors like Andreessen Horowitz, WestCap, Greylock, and Prudential, we’re scaling fast! You have the opportunity to join us at a pivotal stage.

✨ Game-changing Product: We're building a category defining company in home equity. We’ve earned a 4.7 Trustpilot rating and an A+ from the BBB, a testament to the value we provide to our 20,000+ customers.

✨ Great Place to Work: Our employees love working here! We are a [Certified Great Place to Work and a Fortune Best Workplaces in the Bay Area](https://www.greatplacetowork.com/certified-company/7037273).

✨ Remote First Culture, Genuine Connection: Work from anywhere in the U.S. while staying closely connected through virtual collaboration, team gatherings, and a people-first culture. Select roles may require onsite work at our Palo Alto office one day per week.

Location

This is a hybrid role based in Palo Alto, with team members expected to work onsite one day per week for in-person collaboration.

## About the role

We’re seeking a Software Engineer (IC1) to join our team and help support and grow Point’s multi-product digital platform. In this role, you’ll work under the guidance of senior engineers and alongside product partners on the Customer Operations pillar, building smaller features within a defined product area that help our Sales and Customer Experience teams deliver faster, smarter, and more personalized experiences for our customers.

This is an entry point into production engineering. You’ll learn how our systems fit together, how features move from design review to release, and how emerging technologies—such as AI-assisted workflows—are applied in real production environments under responsible data and privacy guidelines. This role is ideal for an early-career engineer who is eager to learn, receptive to feedback, comfortable in a fast-paced environment, and inclined to over-communicate rather than go quiet.

Check out our latest [Engineering Blog](https://point.com/blog/engineering-wins-at-point-in-2024) to learn more about why it's a great time to join Point's Engineering team!

## Your responsibilities

- Build and ship smaller, well-scoped features within an established codebase, with guidance from senior engineers.
- Write and test code against the acceptance criteria of your assigned tasks, including unit tests for both positive and negative conditions.
- Submit clear, reviewable PRs; review teammates’ code and use feedback on your own PRs as a key resource for technical growth.
- Work with senior engineers to design solutions for assigned tasks and discuss the tradeoffs of different approaches.
- Participate in sprint planning, grooming, retrospectives, and technical design reviews with a view toward learning best practices.
- Communicate progress, risks, and blockers early and often to your team and cross-functional partners — err on the side of over-communication.
- Learn how AI- and data-powered components are used in production systems while following responsible data and privacy guidelines.
- Write clearly in both informal (Slack, email) and formal (Jira tickets, commit messages, PR descriptions) media.
- Follow team standards for testing, documentation, monitoring, and operational readiness, and make minor refactors to keep the code you touch clean and clear.
- Estimate your own tasks, seek out mentorship, and work with product managers to understand the business impact of technical decisions.

## About you

- Bachelor’s degree in Computer Science, Engineering, or a related field, or equivalent practical experience.
- 1+ years of professional software engineering experience, including internships or co-op experience, writing object-oriented code in a production, coursework, or open-source setting.
- Foundational grasp of object-oriented design — classes, interfaces, encapsulation, and inheritance versus composition — in at least one object-oriented language such as TypeScript, Python, Ruby, Java, or C#.
- Working understanding of data structures and data modeling, and the ability to break a problem into well-named objects, methods, and responsibilities.
- Some exposure to building or consuming APIs and to working with a relational database.
- Familiarity with unit testing, including stubbing or mocking dependencies, and a willingness to build that skill quickly.
- Exposure to customer-facing applications through coursework, internships, side projects, or early professional work.
- Ability to communicate clearly with teammates and ask questions when product or design requirements are ambiguous.
- Comfortable working in a fast-paced environment, balancing quality and speed while learning under guidance.
- Collaborative team player who actively seeks out feedback and mentorship and acts on it.

## Nice to have

- Exposure to common design patterns, or to a statically typed language such as Java, C#, or Kotlin
- A/B testing frameworks and data-driven experimentation in a Growth or conversion context
- AI/ML-powered personalization or recommendation feature integration
- Analytics instrumentation (PostHog, Segment, Amplitude)
- Coursework, internship, or side-project experience in fintech, lending, or another regulated industry

Compensation at Point will be determined by skills, experience, and geographic location. Point has identified the expected annual base salary for this role in the San Francisco Bay Area | $138,700 - $153,300

This does not include any other potential components of the compensation package, including equity, benefits, and perks outlined above. At the launch of each position, we benchmark compensation to the appropriate role and level utilizing competitive compensation data from various data sources as references. At the offer stage, we use the signal we received from our interviews, coupled with your experience, location, and other job-related factors, to determine final compensation. Our benefits

- Generous health benefits: We provide comprehensive medical, dental, and vision plans with options for flexible spending accounts (FSA) and health savings accounts (HSA).

- Unlimited paid time off: Recharge with unlimited paid time off and 10 company holidays.

- Flexible remote and onsite work: Our teams work from many different locations and time zones. We support fully remote work and also have an amazing in-person environment in our downtown Palo Alto, CA HQ.

- Fully paid parental leave: Point will supplement state Paid Family Leave (PFL) so employees receive 100% of their regular base pay, plus two additional weeks of fully paid leave after state PFL ends. In states without PFL, Point offers up to 8 weeks of paid parental leave. In addition, employees also receive 4 weeks of fully paid transition time, during which you may work 2–3 days per week while receiving full base pay.

- Equity: We offer meaningful equity because we believe in sharing the value you help create. Your contributions directly impact our growth, and your equity gives you a stake in our future success.

- Financial wellness: We provide 401K retirement plans for employees as well as guaranteed life insurance and short- and long-term disability coverage.

- Extra work/life benefits: We provide monthly stipends for internet, mobile plans, wellness perks, a one-time home office reimbursement, and company provided equipment including a MacBook and monitor.

Point is proud to be an equal-opportunity employer. We provide employment opportunities regardless of age, race, color, ancestry, national origin, religion, disability, sex, gender identity or expression, sexual orientation, veteran status, or any other protected class. Each individual at Point brings their own perspectives, work experiences, lifestyles, and cultures with them, and we believe that a more diverse team creates more innovative products, provides better services to customers, and helps us all grow and learn.

[California Consumer Privacy Act Notice](https://point.com/cpra-hr-applicant-privacy-notice)

## About Point Digital Finance, Inc.

## Company Overview
- **One-liner**: Point is a fintech platform that helps homeowners unlock their home equity through a Home Equity Investment (HEI) with no monthly payments or a HELOC, enabling them to access cash without taking on traditional debt.
- **Entity Type**: Private (Series C)
- **Headquarters**: Palo Alto, California, USA
- **Founded**: 2014
- **Founders**: Eddie Lim, Eoin Matthews, Alex Rampell

## Core Business
- Primary industry/industries: Financial Technology (Fintech), Home Equity Lending, Real Estate Technology
- Target customers: B2C — U.S. homeowners who need access to home equity but want to avoid monthly payments or have non-traditional income (e.g., self-employed, retirees).
- Mission or purpose statement: "Making homeownership more valuable and accessible for everyone."

## Products & Services
- **Home Equity Investment (HEI)**: A lump-sum cash payment (up to $600k) in exchange for a share of the home’s future appreciation. No monthly payments, no income requirements, and a minimum credit score of 500. Repayment is due at the end of a 30-year term or upon sale/refinance.
- **Home Equity Line of Credit (HELOC)**: A revolving line of credit (up to $750k) secured by the home. Borrowers pay interest only on the amount drawn. Requires a 680+ credit score. Funds can be accessed in as little as 5 days.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (private company).
- **Key Metric**: Total funding — Over $175M raised (Series C led by WestCap in 2022).
- **Notable Investors/Partners**: WestCap, Andreessen Horowitz, Prudential Financial, DAG Ventures, Redwood Trust, Nomura.
- **Growth Signals**: 
  - Surpassed $2.5 billion in total Home Equity Investment originations (2026).
  - Helped over 25,000 homeowners.
  - Completed the industry’s first securitization backed entirely by HEIs.
  - Expanded team to over 300 employees.
  - DBRS Morningstar created a rating methodology for HEIs, signaling institutional adoption of the asset class.

## Competitive Advantages
- **First-mover in HEI securitization**: Point and Redwood Trust completed the first rated HEI securitization, opening the asset class to institutional investors.
- **No monthly payments product**: The HEI is a unique alternative to a HELOC or cash-out refinance, appealing to homeowners who want to avoid adding a monthly bill.
- **Flexible credit requirements**: HEI requires only a 500+ credit score and no income verification, widening the addressable market.
- **Strong investor backing**: Backed by top-tier VCs (a16z, WestCap) and insurance giants (Prudential), giving it deep capital reserves and credibility.

## Strategic Focus
- **Scaling originations**: Continuing to grow the number of homeowners served and total equity unlocked.
- **Expanding institutional capital**: Deepening relationships with investors via securitizations and new capital commitments.
- **Geographic expansion**: Entering new states across the U.S.
- **Product innovation**: Refining the HEI and HELOC offerings and potentially adding adjacent home equity products.

## Why Work Here
- **Culture**: Rated a "Great Place to Work" (2026 certification). 95% of employees say it’s a great place to work. 99% say executives embody the company's best characteristics. Named #36 on Fortune’s Best Workplaces in the Bay Area™ 2025 (Small and Medium category). Voted #1 small company to work for in the Bay Area by Built In SF (2022).
- **Remote/hybrid policy**: Remote-first company with a downtown Palo Alto HQ. Employees work from 27 states and Washington D.C.
- **Benefits**:
  - Competitive compensation with equity options.
  - 95% of medical, dental, and vision premiums covered (70% for dependents).
  - 100% coverage for life insurance and short-term/long-term disability.
  - Unlimited paid time off + 10 paid holidays.
  - Fully paid parental leave (with 4 weeks of part-time transition back to work at full pay).
  - $50/month cell phone stipend, $50/month internet stipend, $150 home office reimbursement.
  - 401(k) retirement plan.
- **Diversity**: 49% of employees are women (14% more than industry average). 56% have dependents.
- **Engineering culture**: Described as a fast-growing startup where employees are "empowered to make an impact on the future of the company and the lives of customers."

## Sources
1. [point.com/about](https://point.com/about)
2. [point.com/](https://point.com/)
3. [point.com/careers](https://point.com/careers)
4. [cbinsights.com](https://www.cbinsights.com/company/point-digital-finance)
5. [dfpi.ca.gov](https://dfpi.ca.gov/wp-content/uploads/2025/01/4.-Point-Digital-Finance-Inc.pdf)

## Other roles at Point Digital Finance, Inc.

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- [Associate General Counsel, Servicing & Title](https://feeny.ai/job/associate-general-counsel-servicing-title-point-digital-finance-inc-united-a6369jpfrwvr) — United States
- [Associate General Counsel, Litigation](https://feeny.ai/job/associate-general-counsel-litigation-point-digital-finance-inc-united-states-q94ezd6ekbw4) — United States
- [Technical Lead Manager](https://feeny.ai/job/technical-lead-manager-point-digital-finance-inc-united-states-v3ekfhew44vh) — United States
- [Technical Lead Manager](https://feeny.ai/job/technical-lead-manager-point-digital-finance-inc-san-francisco-california-cpf85zvvfb7e) — San Francisco California, United States
- [Sr. Manager, DevOps and AI Enablement](https://feeny.ai/job/sr-manager-devops-and-ai-enablement-point-digital-finance-inc-san-francisco-50scb29096bf) — San Francisco California, United States
- [Processor](https://feeny.ai/job/processor-point-digital-finance-inc-united-states-hj1gbt6dwqf5) — United States
- [Sales Manager](https://feeny.ai/job/sales-manager-point-digital-finance-inc-united-states-17gt3rqfta35) — United States
- [Home Equity Closer](https://feeny.ai/job/home-equity-closer-point-digital-finance-inc-united-states-6n0n294hyc4t) — United States
- [Senior Security Operations Analyst (Detection & Response)](https://feeny.ai/job/senior-security-operations-analyst-detection-response-point-digital-finance-inc-85q5tdz55p64) — San Francisco California, United States