Remote jobs in the United States

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Added 1 min ago
DC
Senior Engineer - ML Operations
Danaher Corporation
Remote, United States
- $180,000 to $220,000 USD / year
This position reports to the Senior Director, Data and AI Platform and is part of the Chief Information Officer (CIO) Office located in Washington, DC and will be fully remote.
Added 12 mins ago
Senior Systems Engineer (R&D Innovation)
Lynx Software Technologies, Inc.
Remote, United States
Programming Language Experience – C (preferred), Python, RUST, OpenGL, Vulcan
Added 25 mins ago
Cloud Finops Analyst
Virtasant
Remote, United States
…continuous learning. With team members in 130+ countries, we are a remote-first, proudly diverse organization focused on meaningful work and real…
Added 35 mins ago
P
Senior Analytics Developer – Residential Lending Analytics
Procom
Remote, United States
- $90 USD / hour
Senior Analytics Developer – Residential Lending Analytics: On behalf of our Financial Services client, Procom is searching for a Senior Analytics Developer – Residential Lending Analytics…
Added 37 mins ago
Data Scientist, Enterprise Analytics
GitLab
Remote, United States
GitLab is the intelligent orchestration platform for DevSecOps. GitLab enables organizations to increase developer productivity, improve operational efficiency, reduce security and…
Added 50 mins ago
Staff DevOps Engineer (Platform)
1upHealth
Remote, United States
…reliably, and with strong compliance foundations. We are a remote-first U.S. company with a culture focused on collaboration, transparency, and meaningful…
Added 53 mins ago
Jr. Backend Engineer
ioet
Remote, United States
…to globally recognized brands. Our positions are full-time, remote, and offer competitive compensation in…
Added 55 mins ago
Senior Product Analyst
Route
Remote, United States
Proficiency with Python for analysis, automation or analytical workflows
Added 57 mins ago
Consultant, Advisory Services
Premier Healthcare Solutions, Inc.
Remote, United States
Statistical tools (R. Python, SAS, Matlab, etc.), Advanced Excel skills, Tableau, Business Intelligence
Added 1 hour ago
Sr. GIS Solution Engineer - Airports
Esri
Remote, United States
Programming and scripting experience with languages such as Python and JavaScript
Added 1 hour ago
H
Staff Software Engineer, Firewall
Horizon3
Remote, United States
- $225,000 to $265,000 USD / year
Horizon3 is a fast-growing, remote cybersecurity company dedicated to the mission of enabling organizations to proactively find, fix and verify exploitable attack vectors before criminals…
Added 1 hour ago
D
Senior Data Analytics Engineer
DataSpring
Remote, United States
- $95,000 to $120,000 USD / year
This is a full-time, exempt, remote position reporting to the Senior Data and Analytics Manager.
Added 1 hour ago
Senior Software Engineer, Proactive Security - Platform
DoorDash USA
Remote, United States
Strong software engineering skills in Go (or Kotlin, Java, Python), building production services and developer tooling.
Added 1 hour ago
Senior Analytics Engineer
Virta Health
Remote, United States
…testing, and controlled deployments. Working proficiency in Python or Go for scripting, validation, and…
Added 1 hour ago
Cobol Software Developer
Peraton
Remote, United States
Peraton is hiring a Cobol Software Developer for a remote role supporting our CMS program.
Added 1 hour ago
H
Senior IT Engineer, Automation
Horizon3
Remote, United States
- $142,718 to $161,904 USD / year
Horizon3 is a fast-growing, remote cybersecurity company dedicated to the mission of enabling organizations to proactively find and fix and verify exploitable attack vectors before…
Added 1 hour ago
H
Senior Backend Engineer, Licensing
Horizon3
Remote, United States
- $199,000 to $235,000 USD / year
Horizon3 is a fast-growing, remote cybersecurity company dedicated to the mission of enabling organizations to proactively find, fix and verify exploitable attack vectors before criminals…
Added 1 hour ago
Senior Manager, Data Science
GitLab
Remote, United States
GitLab is the intelligent orchestration platform for DevSecOps. GitLab enables organizations to increase developer productivity, improve operational efficiency, reduce security and…
Added 1 hour ago
V
Senior Security Engineer
Vultr
Remote, United States
- $120,000 to $150,000 USD / year
…building secure, scalable cloud infrastructure through innovative Python-based tooling and…
Added 1 hour ago
A
Data Architect, BI Analytics Platform
Assured
Remote, United States
- $210,000 to $270,000 USD / year
You bring 8+ years in data engineering, architecture, or warehousing, including 3+ years as the accountable architect, with expert SQL and working fluency in Python.
Added 1 hour ago
W4
Robotic Process Automation (RPA) Engineer
West 4th Strategy
Remote, United States
- $125,000 to $132,500 USD / year
Advanced proficiency in programming languages and tools including SQL Server, Python/PySpark, R, C#, SSIS, SSRS, PowerShell, and cloud environments such as Azure.
Added 2 hours ago
H
Staff Backend Engineer, Licensing
Horizon3
Remote, United States
- $230,000 to $270,000 USD / year
Horizon3 is a fast-growing, remote cybersecurity company dedicated to the mission of enabling organizations to proactively find, fix and verify exploitable attack vectors before criminals…
Added 2 hours ago
H
Staff Software Engineer, Backend MSSP
Horizon3
Remote, United States
- $230,000 to $270,000 USD / year
Horizon3 is a fast-growing, remote cybersecurity company dedicated to the mission of enabling organizations to proactively find, fix and verify exploitable attack vectors before criminals…
Added 2 hours ago
1
Finance Systems Analyst - Integrations and Automation
1Password
Remote, United States
- $83,000 to $116,000 USD / year
This is a remote opportunity within Canada and the US.
Added 2 hours ago
Senior Software Engineer, Enterprise AI
Instacart
Remote, United States
Proficiency in at least one modern programming language, such as Python, Java, Go, or C++.

Scratch

Credit Risk Manager

Remote, United States

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Job details

Posting language: English
Posted: Oct 29, 2026

Original job description

Who We Are Scratch Financial (“Scratch”) is a late stage venture-backed financial technology business based in Pasadena, California. At Scratch, everything starts and ends with our mission: being the payment partner of choice for veterinary practices and helping pet parents access the care their animals need without financial barriers. Driven by our award-winning technology, Scratch has become the fastest growing financing provider in veterinary care, with a partner network of 17,000+ practices across the U.S. and Canada.

Scratch has 2 main products:

Scratch Pay: Point-of-sale lending, including a BNPL offering and longer-term payment plans
Scratch Checkout: Payment processing that is integrated with the veterinary practice management software

We are a company built on the foundation of transforming the way pet healthcare payments are done, and we are looking for innovators who share our commitment to shaping the future of veterinary care financing. If putting compassion first, helping tell the story of groundbreaking products and continuously learning & refining to achieve exceptional outcomes sounds like you, then we encourage you to apply.

Position Overview We're looking for a Credit Risk Manager to join Scratch's Credit team and own high-impact analysis across the full consumer lending lifecycle: who we approve, how we turn approvals into loans, how our loans perform, and how we help borrowers who fall behind. You'll turn data into critical decisions on underwriting strategy, loss mitigation and collections, and our application funnel, working directly with our VP of Credit RIsk and partners across Product, Engineering, Finance, and Marketing. This is a hands-on individual contributor role for someone who wants big scope, real ownership, and a team that uses AI to turbocharge our analytical approach. What You'll Do You'll work across the full scope of our Credit team, with specific projects dictated by priorities. Example work streams include:

Own analyses that shape underwriting strategy: find approval and loss opportunities, size the trade-offs, and recommend policy changes
Diagnose the drivers of credit performance (delinquency, roll rates, losses) and turn them into clear actions
Improve our loss mitigation, collections and recovery strategies, including designing and reading champion/challenger tests
Analyze how our application and checkout experience affects the originations funnel, and partner with Product to improve it
Contribute to underwriting model improvements and help build new models, from data prep through validation and monitoring
Build repeatable, AI-assisted workflows that make the team faster and our analysis more reliable
Communicate findings to executives and to our bank and capital partners in clear, concise recommendations

What We Are Looking For

Bachelor's degree in a quantitative field (e.g., Statistics, Economics, Math, Engineering, Finance)
3+ years in consumer lending credit risk or analytics at a bank or fintech (underwriting, credit strategy, or loss mitigation/collections)
Hands-on experience across the credit strategy lifecycle: analysis, strategy design, test design, implementation validation and post-implementation monitoring
Strong SQL and Python; comfortable with large loan-level and credit bureau datasets
Real enthusiasm for using AI tools to accelerate your work, and the judgment to verify what they produce
A critical thinker who works autonomously, structures ambiguous problems and drives them to a decision
Clear, concise communicator with senior stakeholders
Team player with a great attitude, an ownership mindset and a bias for getting things done

Nice to have:

Point-of-sale, installment or BNPL lending
Collections/recoveries strategy
Model development (e.g., logistic regression, gradient boosting)
Experience working with a partner bank

What You Can Expect From Our Process While these steps may vary slightly from role to role, we aim for a well-rounded interview approach for all involved.

A quick chat with People Ops (HR): To ensure logistics and team fit make sense from both sides.
Hiring Manager Interview: A deep dive to evaluate your credit depth, past business impact, overall operating style, and answer any questions you have about the team.
Live Exercise with Hiring Manager: A practical exercise evaluating your analytical rigor, judgment, and communication approach.
Team Panel Interview: Opportunity to meet the team, discuss your hands-on SQL/Python depth and cross-functional collaboration skills.
Executive-Level Interviews & Reference Checks: A chance for you to meet our leaders, discuss big-picture alignment, and introduce us to your professional references.

*In-Person Connection: We include an in-person visit at our Pasadena HQ, either within the final interview steps or during your first week of onboarding, so we can connect face-to-face right from the start. Why You'll Love Working Here Competitive base salary ranging from $130,000 - $170,000 + equity While Scratch supports remote work for most roles, we believe the secret sauce to our team culture is meaningful connection and close collaboration. For those nearby or visiting, our Pasadena office is fully open and stocked with snacks and drinks for hybrid work. We also bring the whole company together each year for Hub Day, our annual onsite where everyone gathers in person to bond, align, and celebrate our wins together! Alongside our collaborative team environment, we offer unlimited PTO, covered healthcare, flex benefits, 401(k) matching, cell plan reimbursement, monthly recognition opportunities, continuous learning resources, an equity retention program, and generous parental leave!

How to Apply Ready to join our team? To apply, please visit our Scratch Careers Page. Be sure to:

Submit your resume.
Answer the custom questions provided.
Feel free to add any additional information or documents you believe are relevant to your application.

We look forward to reviewing your application! *Our team will ONLY contact you from the domain @scratchpay.com or @ats.rippling.com Our Commitment We’re innovators who care deeply about the lives of pets, their owners, and veterinary professionals. We believe diversity strengthens our team and drives better solutions. Scratch is committed to diversity in its workforce and is proud to be an equal opportunity employer. Scratch considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.

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