---
title: 'Senior Full Stack Engineer at Setpoint'
canonical: 'https://feeny.ai/job/senior-full-stack-engineer-setpoint-austin-jtf0gzq87sw8'
type: 'job'
last_seen: '2026-09-09'
---

# Senior Full Stack Engineer at Setpoint

- **Company:** Setpoint
- **Location:** Austin, TX
- **Work type:** hybrid
- **Posted:** 2026-09-08
- **Last confirmed live:** 2026-09-09
- **Apply:** https://job-boards.greenhouse.io/setpoint/jobs/5232294007

## Job description

About the role:

Behind many of life’s most important transactions — buying a house, applying for a mortgage, getting a small business loan, or refinancing a credit card — is a network of credit relationships. Setpoint provides critical infrastructure for relationships between the world’s largest banks, credit funds and capital markets counterparties. We’re building trust in this system of credit.

We are looking for a Senior Full Stack Engineer to join our team and play a pivotal role in shaping the future of DataOS. DataOS is the operating system for data and documents in asset-backed lending, a $5 trillion market ripe for modernization. Our platform helps standardize, verify, and store critical data and documents in a central repository serving both borrowers and lenders.

As a Senior Full Stack Engineer, you will own end-to-end development of high-impact features across the stack, from design through launch. You’ll work on client-facing, mission-critical functionality, including AI-driven features that accelerate document review, streamline data verification, and ensure data integrity.

Who will love this job:

- Owners – You thrive when given autonomy, cutting through ambiguity and driving results without waiting for detailed requirements.
- Doers – You move fast, experiment, and ship great products that solve real-world problems.
- Product-Focused Engineers – You obsess over the user experience and build with empathy.
- Thought Partners – You’re curious, ask clarifying questions, and collaborate closely with Product and business leaders.

What you’ll do:

- Build systems that streamline the parsing, standardization, and movement of complex financial data.
- Deliver client-facing and high-impact features, including responsible use of AI/LLM technologies to automate workflows while maintaining quality and compliance.
- Collaborate closely with Product, Finance, and Leadership to shape our roadmap, working directly with your Tech Lead and having access to the C-Suite.
- Invest in internal user experience: build and refine tooling that keeps the team productive and velocity high.
- Partner with cross-functional teams to clarify scope, validate client expectations, and ensure impactful delivery.

You should have:

- 5+ years of full-stack software engineering experience with a proven track record of delivering production systems.
- Expertise in our modern tech stack, or similar: Python/Flask, TypeScript/React, Tailwind CSS, Data Warehouses, and tools for data and AI.
- Experience participating in a rotating on-call shift, with the ability to investigate, triage, and resolve immediate production issues.
- A strong ownership mindset – you take responsibility for end-to-end initiatives and see them through to completion.
- Demonstrated ability to rapidly prototype and iterate based on tight feedback loops.
- Comfort operating in ambiguous, high-autonomy environments while driving clarity and progress.
- Curiosity and practical experience with AI and LLM technologies, with a focus on their responsible use in production systems.
- Excellent communication skills – you ask the right questions, align stakeholders, and make complex ideas clear.
- A collaborative approach – you work effectively with teammates, welcome feedback, and contribute to team success.
- Strong Database / Data Warehouse / Data Integrity experience is a plus – focus on auditability and version control/change tracking for critical datasets.

About Setpoint:

Setpoint provides purpose-built capital and technology to asset-backed borrowers and lenders. Our platform is the funding operating system for originators: it verifies and stores documents; automates critical calculations and compliance reporting; and digitizes assets like homes or cars. Setpoint’s technology makes warehouse transactions instant and error free.

In August 2024, Setpoint announced the successful completion of its $31 million Series B funding round. 645 Ventures led the round, with significant strategic investments from Citi and Wells Fargo, alongside Andreessen Horowitz, NextView Ventures, Floating Point, Henry Kravis, Zillow founder’s 75 & Sunny, Vesta Ventures, Fifth Wall, Eltura Ventures, and Outrunner Capital.

We offer a comprehensive benefits package that includes competitive salaries, stock options, medical, dental, and vision coverage, 401(k), short term and long term disability coverage, and flexible vacation. We have offices in Austin, TX, New York City, NY, and Salt Lake City, UT with hybrid roles based in these locations and an expectation of two days a week in office (Tuesdays and Thursdays).

Setpoint provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

## About Setpoint

## Company Overview
- **One-liner**: Setpoint builds the capital markets operating system that powers asset-backed lending, enabling banks, credit funds, and originators to manage debt facilities, securitizations, and funding operations with speed and accuracy.
- **Entity Type**: Private (Series B; last round raised in August 2024)
- **Headquarters**: Austin, Texas, United States (also offices in New York, NY and Salt Lake City, UT)
- **Founded**: 2021
- **Founders**: Stuart Wall (CEO), Ben Rubenstein (President), Michael Lam (CIO)

## Core Business
- **Primary industries**: Capital markets technology / Fintech / Asset-backed lending infrastructure
- **Target customers**: B2B – institutional lenders, private credit funds, asset managers, originators (banks, fintech lenders, and securitization platforms)
- **Mission**: “Make capital efficient and error-free” and “build trust in our system of credit.” Setpoint aims to eliminate manual, error-prone funding operations by providing a single operating system for debt facility management.

## Products & Services
- **Capital Markets OS (Debt Capital)**: A platform that centralizes borrower activity, automates investor reporting, manages asset & collateral workflows, and enables real-time forecasting for warehouse facilities, forward flow, leverage and fund finance, and securitization management.
- **Equity Capital Tools**: Asset modeling software to underwrite new loans, project IRR/MOIC, and manage credit lines.
- **Verification & Diligence Services**: Through acquired companies (Resolute Diligence Solutions and inTENT Fulfillment), Setpoint provides rating agency–approved loan diligence and verification services to prevent double pledging.
- **Data OS & Insight OS**: Modules that standardize borrower data, reconcile calculations, track loan-level data, and provide real-time analytics.

## Market Standing
- **Valuation**: Not disclosed (conflicting reports – no public valuation found)
- **Key Metric**: Total Funding – **$79.5M** raised across Seed ($5.5M in July 2021), Series A ($43M in December 2022, led by Andreessen Horowitz), and Series B ($31M in August 2024). Annual revenue: **$3.1M** (estimated, LinkedIn).
- **Notable Investors/Partners**: Andreessen Horowitz (led Series A), along with 10+ other investors; strategic partners include large banks, credit funds, and capital markets counterparties.
- **Growth Signals**:
  - Over **$50B in financed assets** powered by Setpoint’s technology annually.
  - **111 employees** (+37% YoY growth); headcount increased by 40+ in the past year.
  - Acquired **Resolute Diligence Solutions** (2023) and **inTENT Fulfillment** (2026) to expand diligence and verification capabilities.
  - Launched industry standard to prevent double pledging after major industry collapses (2025).
  - **14 active job openings** across engineering, capital solutions, sales, finance, and legal.

## Competitive Advantages
- **Comprehensive OS**: A single platform covering the full capital markets lifecycle – from origination and asset modeling to warehouse facilities, securitization, and investor reporting.
- **White-glove onboarding**: Setup with zero lift from the customer’s team, enabling reduced funding times and seamless transitions mid-transaction.
- **Capital Solutions team**: In-house expertise that helps clients focus on growth, effectively acting as a “profit multiplier.”
- **First-mover in verification standards**: Post-2025 industry standard to stop double pledging, giving Setpoint a strong compliance and risk-management moat.
- **Rating agency–approved diligence**: Through acquisitions, Setpoint offers approved loan diligence that is critical for securitization markets.

## Strategic Focus
- **Expanding verification & diligence**: The acquisition of inTENT Fulfillment (announced January 2026) adds rating agency–approved loan diligence capabilities.
- **Deepening institutional trust**: Continued investment in preventing double pledging and building industry standards for asset-backed finance.
- **Scaling the platform**: Growing the Capital Markets OS across more asset classes (auto, housing, student loans, etc.) and onboarding larger institutional lenders.
- **Product innovation**: Launching Data OS and Insight OS modules for real-time analytics and portfolio forecasting.

## Why Work Here
- **Culture**: Entrepreneurial, first-principles thinking environment. Team-oriented with guiding principles like “We win as a team,” “We fight for customer value,” and “We optimize for speed.”
- **Work policy**: Flexible & remote work options are available; many roles are hybrid in Austin, New York, or Salt Lake City.
- **Perks & Benefits**: Unlimited PTO, 401k, health/vision/dental insurance, One Medical membership, 24/7 mental health support (EAP), regular team happy hours, lunches, and company offsites.
- **Growth opportunity**: Work at a high-growth startup that is rebuilding the infrastructure of capital markets. Employees have opportunities to work cross-functionally in a capital solutions, engineering, and product environment.
- **Notable alumni sources**: Talent often joins from top fintech and financial firms (Citi, Google, Ribbon, Lithic, Resolute Diligence Solutions, Realtor.com).

## Sources
1. [setpoint.io](https://www.setpoint.io/)
2. [setpoint.io/careers](https://www.setpoint.io/careers/)
3. [setpoint.io/about](https://www.setpoint.io/about/)
4. [Greenhouse job board](https://job-boards.greenhouse.io/setpoint)
5. [LinkedIn company page](https://www.linkedin.com/company/getsetpoint)

## Other roles at Setpoint

- [Senior Analytics Engineer](https://feeny.ai/job/senior-analytics-engineer-setpoint-austin-or-ctehsm9za60n) — Austin OR, NY
- [Implementation Manager](https://feeny.ai/job/implementation-manager-setpoint-austin-or-65xc4vhmzjkb) — Austin OR, NY
- [Accounting Associate](https://feeny.ai/job/accounting-associate-setpoint-austin-02e5ax7ksweq) — Austin, TX
- [Vice President, Legal](https://feeny.ai/job/vice-president-legal-setpoint-new-york-j56peph9vxj6) — New York, NY
- [Analyst, Diligence](https://feeny.ai/job/analyst-diligence-setpoint-salt-lake-city-hp4e4de4ak0x) — Salt Lake City, UT
- [Strategic Finance Associate](https://feeny.ai/job/strategic-finance-associate-setpoint-new-york-tn8zpsfdnbtf) — New York, NY
- [Senior Associate, Operations](https://feeny.ai/job/senior-associate-operations-setpoint-new-york-m8qpxwxk1bea) — New York, NY
- [Capital Solutions Manager (Data OS, Insight OS)](https://feeny.ai/job/capital-solutions-manager-data-os-insight-os-setpoint-austin-or-tg0jm3bem7dv) — Austin OR, NY
- [Professional Services Manager](https://feeny.ai/job/professional-services-manager-setpoint-austin-or-7ck5n1m7yqfp) — Austin OR, NY
- [Investment Analyst](https://feeny.ai/job/investment-analyst-setpoint-austin-or-w369ynsyv8ms) — Austin OR, NY