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Added 1 min ago
Global Vendor Manager, Data Center Infrastructure
Cloudflare
Austin, TX · Denver, CO · Washington, DC
…beneficial outcomes. This role complements the Global Vendor Manager, Data Center Services (focused on field services, IT asset disposal, logistics, and rack integration) by owning the…
Added 1 min ago
Project Manager - Justice
Vanir Construction Management, Inc.
El Centro, CA · San Diego, CA
Vanir is a proud minority- and woman-owned company, recognized as a national leader in program, project and construction management (PMCM) and real estate development. Since 1964, we have…
Added 2 mins ago
CG
Manager, Product Integrity & Compliance
Canada Goose Inc.
NY
- $102,000 to $141,000 USD / year
The Manager, Product Integrity & Compliance leads the integration of global regulatory, chemical, product-safety and Canada Goose standards requirements throughout the product lifecycle and…
Added 2 mins ago
T
SOFTWARE ENGINEER – BACK END
Tillster
San Diego, CA
- $95,000 to $125,000 USD / year
2. AI-assisted pair programming exercise / code review interview with our Back End Engineering Manager
Added 2 mins ago
T
SOFTWARE ENGINEER – BACK END
Tillster
Los Angeles, CA
- $95,000 to $125,000 USD / year
2. AI-assisted pair programming exercise / code review interview with our Back End Engineering Manager
Added 2 mins ago
T
SOFTWARE ENGINEER – BACK END
Tillster
Atlanta, GA
- $95,000 to $125,000 USD / year
2. AI-assisted pair programming exercise / code review interview with our Back End Engineering Manager
Added 2 mins ago
S
Construction Manager
SIRIS
Kerrville, TX
- $80,000 to $100,000 USD / year
…contractor shall have the capability of providing a comprehensive program of Project Engineering, Planning, Scheduling, Design reviews and Value Management Assessments, Safety Compliance…
Added 2 mins ago
Quality Assurance & Process Authority Manager
Furmano's
Northumberland, PA
Position Summary : Quality Assurance & Process Authority Manager
Added 3 mins ago
Principal Product Manager, Enterprise AI
Okta
San Francisco, CA
At Okta, you’ll be part of an Enterprise AI Engineering Team that spans the US and India. You’ll work on cutting-edge Applied AI products while shaping the platform foundations that make…
Added 3 mins ago
CAD Drafter
Magnum Piering
Cincinnati, OH
Working with the Engineering and Sales departments on the development of products.
Added 3 mins ago
Quality Manager
Amcor
AF Shelbyville Healthcare Packaging, KY
The Plant Quality Manager is the quality advocate for the plant, providing leadership for the quality and food safety systems and programs. Key drivers are assuring compliance to…
Added 4 mins ago
IC
Sr Director, XSE Design Verification Engineering Manager
Intel Corporation
CA
- $256,050 to $361,480 USD / year
As a Design Verification Engineering Manager, you will lead a dynamic team of design verification engineers responsible for Xeon SoC design verification. You will deploys and manage leading…
Added 5 mins ago
On Wing Support Office Manager
GE On Wing Support, Inc.
United States
The On Wing Support Office Manager will be responsible for site administrative support. The Office Manager will work with limited supervision to meet day-to-day short-term objectives and…
Added 5 mins ago
Senior Security Manager, Next Generation Programs
General Electric Company
United States
Serve as the primary security interface with Department of Defense/Intelligence Community security offices, Program Managers, Engineering, IT, Supply Chain, and Quality.
Added 5 mins ago
Staff Engineer - Turbine Aerodynamics
General Electric Company
United States
The Aerodynamics Staff Engineer will report to the Turbine Aerodynamics Manager and be responsible for leading the design of GE Aerospace’s next generation of turbine components and…
Added 5 mins ago
Senior Staff Engineer - Turbine Aerodynamics
General Electric Company
United States
…Senior Staff Engineer will report to the Turbine Aerodynamics Manager and be responsible for leading the design of GE Aerospace’s next generation of turbine components and associated…
Added 5 mins ago
EHS SPECIALIST I
MENTOR TECHNICAL GROUP CORP
South San Francisco, CA
…the FDA-regulated industry. As a world leader in life science engineering and technical solutions, MTG has the knowledge and experience to ensure compliance with pharmaceutical,…
Added 6 mins ago
Quantitative Analyst – Quant Analyst Program
Millennium
New York
…with Millennium's portfolios at the Firm-wide and Portfolio Manager levels, with a focus on the market, credit and liquidity risks the Firm faces in the course of its business. At the…
Added 6 mins ago
Manager Technical Services
GAF
Shafter, CA
The Manager Technical Services is responsible for all analytical and process related initiatives at the plant. This includes ensuring compliance at all levels including product…
Added 7 mins ago
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Program Manager
modis
Sunnyvale, CA
- $55 to $60 USD / hour
Akkodis is seeking a Program Manager for a Contract with a client in Sunnyvale, CA. The ideal candidate will Drive the design and delivery of scalable supply chain and procurement system…
Added 7 mins ago
EI
CNC Programmer / Machine Shop Supervisor
East/West Industries, Inc.
Ronkonkoma, NY
- $90,000 to $110,000 USD / year
…tasks, optimizing manufacturing methods, and collaborating with engineering to enhance the manufacturability of designs. The role also involves designing tooling and templates to support…
Added 7 mins ago
Project Manager - Electric Distribution
ENTRUST Solutions Group, A Leidos Company
Madison, WI · WI
As a Project Manager / Senior Project Manager, you’ll lead electric distribution design and engineering programs supporting local utility distribution system. This is a program‑based role,…
Added 8 mins ago
Sr Manager, Software Engineering
Petco Animal Supplies Stores, Inc.
United States
Delivers reliable, highly available, and highly scalable systems in a Lean, agile, and domain driven engineering environment;
Added 8 mins ago
Senior Manager, Asset Quality & Model Oversight
Upstart
Remote, United States
As the Senior Manager, Asset Quality & Model Oversight at Upstart, you will own this function end-to-end, reporting directly to the Head of Secured Lending. You will lead a small team of…
Added 9 mins ago
A
Senior Environmental Planner/Project Manager - Energy
AECOM
Orange, CA
- $120,000 to $150,000 USD / year
…planners, designers, engineers, scientists, digital innovators, program and construction managers and other professionals delivering projects that create a positive and tangible impact…

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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