Associate General Counsel, Servicing & Title at Point Digital Finance, Inc.

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 . ✨ 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. Local or 100% Remote About the role Point is seeking an experienced Associate General Counsel to serve as the primary legal partner to the teams that manage Point's home equity investment (HEI) product after origination. This role is focused on the servicing side of the homeowner lifecycle, from onboarding through defaults, exits, and maturity. This role reports to the Deputy General Counsel with direct access to the General Counsel and senior leadership on high-priority matters. The Associate General Counsel, Servicing & Title will own day-to-day legal counseling for Point's Funding, Post-Closing, Servicing, and Investor Operations teams. Coverage includes servicing communications and disclosures, title and lien perfection questions and claims, contract administration, defaults, and the subservicers and title vendors that Point partners with to execute. Point has built a substantial regulatory and compliance foundation for the HEI, and this role continues to expand that foundation. Questions will surface that no one has answered before. This is a hands-on role on a small team, and the work rewards a mortgage or consumer finance lawyer who is genuinely interested in how a servicing operation runs and keen to build a durable playbook along the way. This is a fully remote position with occasional travel required. Your responsibilities Servicing lifecycle counseling Serve as the primary legal contact for Servicing and homeowner operations across the post-origination lifecycle, from homeowner inquiries through exit administration and maturity. Draft and maintain Point's contract amendments, and own the state-by-state analysis that governs them, including recording and lien priority. Review homeowner communications and notices, and maintain the matrix of applicable state disclosure and notice requirements in coordination with relevant legal and compliance partners. Advise on vesting, transfers, trusts, estates, and capacity questions, and on cure mechanics when a transfer falls outside the agreement. Partner with Product, Engineering, and Design on servicing features and the legal requirements that shape them. Title and lien perfection Advise on title and lien perfection issues, including county rejections, corrective instruments, and state curative requirements. Manage title claims with carriers from tender through resolution, including claim strategy and recovery efforts, and coordinate with the business on exposure. Escalations Partner with Servicing and Point's subservicers on escalations that need a legal read: senior-lienholder proceedings, tax sales, condemnation, and casualty claims. Advise on consumer bankruptcy questions, including proofs of claim and communication during stay periods. Advise on delinquent property taxes, including redemption timelines, per-file risk, and remediation. Outside counsel and investor support Retain and direct outside counsel on title, collateral, and tax-sale matters; define clear scopes of work, critically evaluate advice and work product, and manage deadlines and budgets. Support diligence, investor notice, and consent obligations where servicing or title facts drive the answer. Process, playbooks, and legal technology Build playbooks, templates, and self-service guidance so the business can resolve high-volume servicing questions on its own, and legal time goes to the harder calls. Use AI-assisted workflows for document review, disclosure comparison, and matter triage, with approved tools, output verification, and confidentiality safeguards. About you J.D. and active bar membership in any U.S. jurisdiction (California preferred); must be eligible for in-house practice in your state of domicile. 7+ years of experience practicing law in mortgage or consumer finance, at a law firm, in-house, or a combination of both, including meaningful, hands-on experience advising on residential mortgage or other real estate-secured consumer finance servicing matters. Demonstrated experience analyzing and resolving title, lien-priority, recording, or lien-perfection issues, with an understanding of title insurance and the ability to work through state-by-state variation. Comfort partnering with a servicing team, subservicers, and outside counsel on proceedings that affect the collateral. Familiarity with foreclosure and enforcement procedure in judicial and non-judicial states, including redemption periods and surplus funds, is an advantage. Working knowledge of the consumer finance and mortgage regulatory framework, including RESPA/Regulation X, TILA/Regulation Z, FDCPA/Regulation F, FCRA, ECOA/Regulation B, TCPA, SCRA, GLBA, UDAAP and state UDAP laws, and state servicing, licensing, and debt collection requirements. The ability to assess how regulatory requirements apply to a novel consumer financial product, and to translate them into operational guidance that the business can follow. Experience retaining and directing outside and local counsel, and managing scope and budget across a multi-matter portfolio. A strong sense of ownership: you advise in plain language, run the question down, and come back with a recommendation rather than handing back the issue. Sound judgment in a fast-moving, regulated environment, and the instinct to recognize when a question needs further analysis, specialist input, or escalation. Preferred experience includes: Default servicing, foreclosure, bankruptcy, or loss mitigation exposure. Title claims experience. Supporting a novel consumer financial product through operational build-out. Building legal playbooks, templates, intake processes, and service levels in a scaling legal function. Leveraging legal AI tools in an in-house environment. 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 based on the market by tiers (Region | Location | Market Salary): Tier 1 | San Francisco Bay Area, New York, and Seattle | $211,850 - $234,150 Tier 2 | Austin, Boston, Chicago, Denver, Los Angeles, Miami, Philadelphia, Portland, Sacramento, San Diego, Santa Barbara & Washington DC | $190,000 - $210,000 Tier 3 | All other US metro areas | $176,700 - $195,300 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. Location Requirement: This is a remote position. However, candidates must reside in one of Point’s states of operation: AL, AR, AZ, CA, CO, CT, DC, FL, GA, IL, KS, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI. 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

Requirements

Must-haves

This is a fully remote position with occasional travel required.
Servicing lifecycle counseling
Serve as the primary legal contact for Servicing and homeowner operations across the post-origination lifecycle, from homeowner inquiries through exit administration and maturity.
Draft and maintain Point's contract amendments, and own the state-by-state analysis that governs them, including recording and lien priority.
Review homeowner communications and notices, and maintain the matrix of applicable state disclosure and notice requirements in coordination with relevant legal and compliance partners.
Advise on vesting, transfers, trusts, estates, and capacity questions, and on cure mechanics when a transfer falls outside the agreement.
Partner with Product, Engineering, and Design on servicing features and the legal requirements that shape them.
Title and lien perfection
Advise on title and lien perfection issues, including county rejections, corrective instruments, and state curative requirements.
Manage title claims with carriers from tender through resolution, including claim strategy and recovery efforts, and coordinate with the business on exposure.
Partner with Servicing and Point's subservicers on escalations that need a legal read: senior-lienholder proceedings, tax sales, condemnation, and casualty claims.
Advise on consumer bankruptcy questions, including proofs of claim and communication during stay periods.
Advise on delinquent property taxes, including redemption timelines, per-file risk, and remediation.
Outside counsel and investor support
Retain and direct outside counsel on title, collateral, and tax-sale matters; define clear scopes of work, critically evaluate advice and work product, and manage deadlines and budgets.
Support diligence, investor notice, and consent obligations where servicing or title facts drive the answer.
Process, playbooks, and legal technology
Build playbooks, templates, and self-service guidance so the business can resolve high-volume servicing questions on its own, and legal time goes to the harder calls.
Use AI-assisted workflows for document review, disclosure comparison, and matter triage, with approved tools, output verification, and confidentiality safeguards.
Demonstrated experience analyzing and resolving title, lien-priority, recording, or lien-perfection issues, with an understanding of title insurance and the ability to work through state-by-state variation.
The ability to assess how regulatory requirements apply to a novel consumer financial product, and to translate them into operational guidance that the business can follow.
Experience retaining and directing outside and local counsel, and managing scope and budget across a multi-matter portfolio.
A strong sense of ownership: you advise in plain language, run the question down, and come back with a recommendation rather than handing back the issue.

Nice-to-haves

J.D. and active bar membership in any U.S. jurisdiction (California preferred); must be eligible for in-house practice in your state of domicile.

Application prep

Use the role’s language and application details while tailoring your materials.

Keywords to mirror

Platform: greenhouse
Effort: quick

Benefits

Benefits detected in the listing.

Dental

Vision

401k

Paid Time Off

Parental Leave

Wellness