Deputy General Counsel, Structured Finance

Local or 100% Remote

Who we are 

Our mission at Point is to make homeownership more valuable and accessible to all. Every day, we explore, build, and iterate to create innovative financial products that improve the lives of our customers. Together, we’re creating the premier full-stack home equity platform to help current homeowners access their home wealth and aspiring ones realize their dream of homeownership. Point has raised over $180M from Andreessen Horowitz, WestCap, Prudential and other leading investors.

About the role

Point is seeking an experienced and strategic Deputy General Counsel, Structured Finance, to lead and support all capital markets legal initiatives. This role is critical to the continued growth of Point’s proprietary home equity investment line of business. The Deputy General Counsel will report to the COO and General Counsel and interface regularly with the CEO, providing strategic and tactical legal guidance on complex capital markets transactions.

This role requires deep experience in structured finance and capital markets, with a focus on 144A offerings, 4(a)(2) private placements, fund formation, forward flow agreements, warehouse lending facilities, and other forms of institutional financing. You will be instrumental in driving legal execution of financing deals, managing relationships with external counsel and investors, and ensuring compliance with relevant regulatory frameworks.

Our culture

We are a people-first, value-driven team. We come from varied backgrounds, experiences, and time zones. Our teams are aligned in service to our goal — to improve the lives of customers. Our culture is built on sharing ideas, supporting each other, and being empowered to do our best work. Find out what you can accomplish as part of an engaged, high-achieving team focused on a common goal.

Your responsibilities

• Lead the structuring, negotiation, and execution of complex capital markets transactions, including 144A and 4(a)(2) deals.
• Provide legal guidance and manage documentation for forward flow purchase agreements, fund formation, and warehouse lending arrangements.
• Serve as the primary legal advisor on all structured finance transactions, including securitizations and related regulatory matters.
• Collaborate closely with senior executives, investors, external counsel, and internal cross-functional teams, including Finance, Investor Operations, Product, and Customer Operations.
• Support investor due diligence processes and respond to audits and regulatory inquiries as needed.
• Develop and maintain internal policies and procedures to ensure compliance with securities laws and other applicable legal standards.
• Advise on new financial product structuring and capital markets initiatives from inception through execution.

About You  

• 10+ years of legal experience, including significant time at a top law firm or in-house, advising on structured finance, securitizations, and capital markets transactions.
• Deep expertise in 144A and 4(a)(2) offerings, fund formation, forward flow, and warehouse facilities.
• Familiarity with residential mortgage and consumer finance products and the regulatory frameworks governing them.
• Excellent project management, negotiation, communication, and drafting skills.
• A practical, business-oriented approach to problem-solving and the ability to thrive in a fast-paced, entrepreneurial environment.
• JD from an accredited law school and a member in good standing of the State Bar of California, or eligible for the in-house counsel exemption.

Our benefits 

Generous health benefits

• We provide 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 & 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 true-up wages from state-applicable PFL earnings so that the employee’s total gross pay will be equivalent to 100% of their regular base pay, as well as two weeks of fully paid leave to be available after exhaustion of state PFL. 
• For employees in states without Paid Family Leave, Point will provide up to 8 weeks of paid parental leave. 
• In addition, all employees will receive 4 weeks of fully paid transition time. For four weeks after returning from parental leave, and following the use of all other paid leave benefits, you may work part-time, meaning two or three days per week, and receive 100% of regular base pay.

Financial wellness

• We provide 401K retirement plans for employees as well as guaranteed life insurance and short- and long-term disability coverage. Full-time employees have the opportunity to take ownership in the company through equity options.

Extra work/life benefits

• We provide monthly stipends for internet, mobile plans, and a one-time home office reimbursement. 

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. 

Compensation at Point will be determined by skills, experience, and geographic location. Point has identified the expected annual base salary for this role at this level:

• $220,000 - $300,000

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.

Location Requirement: This is a remote position. However, candidates must reside in one of Point’s states of operation: AL, AZ, AR, CA, CO, CT, DC, FL, GA, IL, KS, KY, MA, MI, MN, MO, NV, NJ, NY, NC, OH, OR, PA, SC, TN, TX, UT, VA, or WA.