---
title: 'Senior Backend Engineer at Point'
canonical: 'https://feeny.ai/job/senior-backend-engineer-point-san-francisco-wkw22c17s6z7'
type: 'job'
last_seen: '2026-09-09'
---

# Senior Backend Engineer at Point

- **Company:** Point
- **Location:** San Francisco, CA
- **Employment:** full-time
- **Posted:** 2019-05-31
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.lever.co/getpoint/11acaae5-2c6f-4cc3-9c6e-9dc63a0ec34e

## Job description

Point is looking for a founding senior backend engineer. We are building a modern and aspirational banking experience by bringing rewards and benefits to the everyday debit card.

Learn more about Point's team and culture here.

Why this role?

- Build a mobile banking app that you would actually use. Seriously, we're challenging the status quo and building a premium debit card to align incentives with our members. Step aside Amex.
- Work alongside a lean and highly-talented team. One of our co-founders designed the interface of the first iPhone and we launched and scaled to millions of dollars in transactional volume with a team of 2.5 engineers — ask us about it.
- Our team is super collaborative and transparent. You have impact across the entire company from new product features, internal tools, or jamming on a marketing idea — no shortage of things to work on.
- We're well-funded and supported by top investors — we're backed by the same investors behind companies like Airbnb, Stripe, Notion, and many others.

What does a backend engineer at Point do?

- You will work to ensure integrations with key vendors are stable and reliable — our card issuer, card printer, identity verification vendors, Plaid, etc.
- You will build the backend logic that powers new features. Potential examples: instant bank transfers, custom rewards — features that will enable Point to attract and retain more members.
- You will build scalable infrastructure that can handle very large amounts of data with low latency.

This role would be a good fit if you...

- Have been working as a backend engineer for 3+ years with at least 2 of them using Node.js, AWS, PostgresQL, and GraphQL. Usually language experience doesn't really matter to us but we're moving quickly and would like for you to have experience with our current stack.
- Worked at a really small start up that went from 0 → 1 and understand how to scale backend systems.
- Are thoughtful with balancing moving quickly and cautiously by testing software before shipping — given the sensitive nature of our product we need to ensure Point is reliable and secure at all times.
- Have spent time working in a senior engineer role but are still excited about being a core contributor to the codebase.
- Actually care about building a consumer product that has thoughtful and intuitive design across the stack — from mobile app UI to the database architecture.

Perks:

- Competitive salary and stock options based on experience
- 401k
- Full health benefits (medical, dental, and vision insurance).
- 20-day vacation policy. Can roll over up to 10 days per year. And we shut down the office in between Christmas and New Year's. Flexible WFH and sick day allowance.
- Education Credits: $25/mo. Keep learning — books, courses, training, etc.
- Wellness Credits: $50/mo. Take care of yourself — gym, fitness classes, meditation, etc.
- Commute Credits: $100/mo. Don't stress rush hour — public transit, bike, lyft, etc.

If this sounds up your alley, then drop us a note.

## About Point

## Company Overview
- **One-liner**: Point is a home equity platform that offers homeowners an alternative to traditional loans by providing Home Equity Investments (HEIs) that unlock cash without monthly payments.
- **Entity Type**: Private (Series C, post-revenue)
- **Headquarters**: Palo Alto, California, United States
- **Founded**: 2015
- **Founders**: Eddie Lim, Eoin Matthews, Alex Rampell

## Core Business
- **Primary industry**: Real Estate Technology / Fintech
- **Target customers**: Homeowners and home buyers in the United States seeking flexible alternatives to traditional home equity loans or HELOCs (B2C).
- **Mission statement**: To make homeownership more valuable and accessible for all.

## Products & Services
- **Home Equity Investment (HEI)**: The flagship product. An alternative to a home equity loan or HELOC; Point provides cash to a homeowner in exchange for a share of the home’s future appreciation (and depreciation). There are no monthly payments.
- **Home Equity Line of Credit (HELOC)**: Point also offers traditional HELOCs to qualified homeowners.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed as private company.
- **Total Funding**: Over $175M in equity funding from top-tier venture capital firms. The company has also secured over $1.9B in total capital commitments for its HEI product.
- **Notable Investors**: Andreessen Horowitz, WestCap, Prudential Financial, Greylock, DAG Ventures.
- **Growth Signals**: Over 25,000 homeowners have used Point to unlock more than $2 billion in home equity. Headcount grew ~48% year-over-year to 265 employees. The company has completed multiple securitizations backed by HEI assets, opening up new institutional capital markets. Recognized as a “Great Place to Work – Certified” and #36 on Fortune’s Best Workplaces in the Bay Area 2025 (Small & Medium category).

## Competitive Advantages
- **Pioneer in the HEI space**: Point is the leading provider of Home Equity Investments, having established the asset class and completed the first rated securitization of HEIs.
- **Full-stack platform**: Handles origination, servicing, and securitization, creating a defensible business model.
- **Strong brand & customer trust**: Holds an A+ BBB rating and a 4.7 Trustpilot rating, indicating high customer satisfaction and trust.

## Strategic Focus
- **Scaling the platform**: Expanding into new states, growing the team, and increasing capital commitments from institutional investors.
- **Multi-product expansion**: Offering both HEIs and HELOCs to capture a wider range of homeowner needs.
- **Category creation**: Continuing to educate the market and build the infrastructure for home equity investment as a mainstream financial product.

## Why Work Here
- **Culture**: Certified “Great Place to Work” and recognized by Fortune. Described as a people-first, value-driven, remote-first team with diverse backgrounds (women representation 14% higher than industry average).
- **Work Model**: Remote-first with a physical HQ in downtown Palo Alto. Fully remote work is supported across the United States (27+ states + Washington D.C.) and Canada.
- **Benefits**: Competitive compensation and equity. 95% medical/dental/vision premium coverage for employees, unlimited PTO, fully paid parental leave with a 4-week transition period, 401K, home office stipend ($150), and cell/internet stipends ($100/month total).

## Sources
1. [point.com/careers](https://point.com/careers)
2. [point.com/about](https://point.com/about)
3. [linkedin.com/company/point](https://www.linkedin.com/company/point)
4. [cbinsights.com/company/point-digital-finance](https://www.cbinsights.com/company/point-digital-finance)
5. [point.com/careers/job/software-engineer-8448882002](https://point.com/careers/job/software-engineer-8448882002)

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