Credit Risk Manager

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

While these steps may vary slightly from role to role, we aim for a well-rounded interview approach for all involved.

1. A quick chat with People Ops (HR): To ensure logistics and team fit make sense from both sides.
2. 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.
3. Live Exercise with Hiring Manager: A practical exercise evaluating your analytical rigor, judgment, and communication approach.
4. Team Panel Interview: Opportunity to meet the team, discuss your hands-on SQL/Python depth and cross-functional collaboration skills.
5. 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.

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!

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

1. Submit your resume.
2. Answer the custom questions provided.
3. 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

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.