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Structured Credit Lead - Point Digital Finance

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Job Title
Structured Credit Lead
Job Location
Job Description

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 seeks a talented structured credit lead who has:

  • Successful track record of leading new securitizations backed by Home Equity Investments while monitoring existing securitizations. A candidate who can take a deal from start to finish and is highly experienced in private and public RMBS and ABS markets. 
  • Capability of working across rating agencies, investment bankers, law firms, and syndicate investors.
  • Experience in handling 4(a)(2) and 144A transactions.  In this role, you will cover all types of structured credit transactions and financings for originators, purchasers, JV partnerships, and lenders in the HEI space, in addition to forward flow arrangements.
  • Deep understanding of the markets, product class, and day-to-day operations of the team and company. 

Your responsibilities

  • Lead capital-related transactions from drafting to closing – including private and public transactions – by driving timelines and processes, overseeing the preparation and drafting of documents, and completion of the closing requirements
  • Drive structure and pricing negotiations 
  • Track industry performance and analysis on HEI's while managing Point reporting requirements
  • Develop and manage relationships with capital partners and key transaction counterparties
  • Oversee the creation of marketing materials to support capital-related transactions
  • Manage reporting for existing transactions, including Intex reporting
  • Responsible for rating agency structure and modeling
  • Work closely with investment banks and law firms to structure and draft the transaction
  • Comfortable working with sophisticated bond buyers and presenting at investor meetings

About you

  • 6-8 years of structured credit/finance experience
  • Experienced track record of leading securitization and other complex capital markets transactions
  • History of working cross-functionally inside and outside of the organization
  • Outward-facing experience with executives (ie investment banks, bond buyers, etc)
  • Experience structuring large capital transactions
  • Expert proficiency with Intex, Excel, Google Suite, and Bloomberg
  • Analytical and detail-oriented with strong organizational, project management, and problem-solving skills
  • Able to structure and model complex financial transactions
  • Effective, collaborative partner with internal and external partners
  • Well-refined communication skills. Can articulate ideas and strategies clearly, both verbally and in writing
  • A structured approach to problem-solving and able to maintain high-quality output even under time pressure

Our benefits 

Generous health benefits

  • We provide medical, dental, and vision plans with options for flexible spending accounts (FSA) and health savings accounts (HSA). Point covers 99% of employee medical, dental, and vision premiums.

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 of 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 range for roles at this level based on market by tiers (Region | Location | Market Range):

  • Tier 1 | San Francisco Bay Area, New York, Los Angeles, & Seattle | $220,000 - 240,000
  • Tier 2 | Chicago, Austin, Denver, Boston, Washington DC, San Diego | $187,000 - 204,000
  • Tier 3 | All other US metro areas | $176,000 - 192,000

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. 

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Point Digital Finance Headquarters Location

Palo Alto, CA

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Point Digital Finance Company Size

Between 200 - 500 employees

Point Digital Finance Founded Year


Point Digital Finance Total Amount Raised


Point Digital Finance Funding Rounds

View funding details
  • Series C

    $115,000,000 USD

  • Series B

    $22,000,000 USD

  • Series A

    $9,100,000 USD

  • Seed

    $3,000,000 USD

Point Digital Finance's Investors

Point Digital Finance's Industries