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VP of Credit Risk
Scratch Financial · Remote (CA, US), CA, United States · Remote · Active · Rippling ATS
Job facts
| Field | Value |
|---|---|
| Company | Scratch Financial |
| Title | VP of Credit Risk |
| Normalized title | - |
| Department / team | Credit Risk |
| Location | (CA, CA, United States |
| Work model | Remote / Remote |
| Employment type | Full Time |
| Salary | - |
| Status | active |
| ATS provider | Rippling ATS |
| Posted / first seen | 2026-06-15 / 2026-06-23 |
| Changed / last seen | 2026-06-23 / 2026-06-23 |
Related slices
| Page | What it contains | Open |
|---|---|---|
| Company jobs | Active postings from Scratch Financial. | Open |
| Company breakdowns | Role, location, ATS, and work model facets for this company. | Open |
| ATS provider jobs | Active postings observed through Rippling ATS. | Open |
| Provider filtered search | The same provider as a filtered job collection. | Open |
| City jobs | Active postings in (CA. | Open |
| Department jobs | Active postings in Credit Risk. | Open |
| Work model jobs | Active Remote postings. | Open |
| Lifecycle events | Open, update, close, and reopen events for this posting. | Open |
| Original posting | Canonical source or apply URL captured from the ATS. | Open |
Linked records
| Company | Scratch Financial |
| Source | 4929499c-36f7-4ae6-91f3-34575d19d013 |
| ATS provider | Rippling ATS |
Description
company
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 15,000+ practices across the U.S. and Canada.
Scratch has 2 main products:
Scratch Pay: Point-of-sale client facing 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.
role
Position Overview As VP of Credit Risk , you'll own the credit strategy behind every lending decision at Scratch Pay. You'll lead our scoring models and the policy layer that sits alongside them, manage portfolio performance, and responsibly expand who we can say yes to , especially across near-prime and subprime segments, using alternative data and modern underwriting techniques. You'll operate hands-on in the models and data while building and leading the team that scales the function.
We're looking for this role to serve as the general manager of Scratch Pay’s profitability. This is a high-ownership, cross-functional role: you'll set and execute the strategy for underwriting, collections, and loan performance.
You'll report directly to the President and work closely with our SVP of Product to shape the borrower experience across our lending application and iOS/Android apps. If you're energized by owning a P&L, thrive at the intersection of data and strategy, and want to build something that matters — this role was designed for you.
What You'll Own Lending P&L & Credit Strategy
Serve as the GM for lending profitability: own the credit loss rate, approval rate, checkout conversion, unit economics, and yield across our loan portfolio Design and optimize the hard-cut / policy layer that sits alongside the score — knockout rules, eligibility criteria, and approval thresholds — using swap-set and champion/challenger analysis to tune the approve/decline boundary against approval-rate and loss targets. Define and continuously improve our underwriting criteria — credit policy, model inputs, decisioning logic — to optimize risk-adjusted returns Lead collections strategy, including segmentation, treatment paths, agency relationships, and recovery optimization Responsibly expand the approvable population into near-prime (and potentially subprime) by integrating and operationalizing alternative data: cash-flow / bank-transaction data, alternative bureau attributes, income and employment verification, and other non-traditional signals. Own portfolio performance management: loss forecasting, vintage and roll-rate analysis, early-warning indicators, and inputs to loss reserves. Monitor portfolio performance and drive rapid iteration when trends shift Product Partnership
Partner closely with the SVP of Product to define improvements to our lending application and borrower-facing iOS and Android apps Bring a data-driven and risk-aware lens to product decisions: approval flows, offer presentation, repayment UX, and borrower communications Ensure compliance and regulatory considerations are built in from the start, not bolted on Build a rigorous test-and-learn engine (champion/challenger, controlled holdouts, A/B) so credit policy decisions are driven by evidence rather than intuition. Team Leadership
Lead and develop a lean but high-performing credit risk team, with expected growth as the business continues to scale Develop your team's craft and careers while maintaining high standards for output quality Champion a culture of rigor and intellectual honesty (getting it right vs. being right) in how the company uses data AI & Operational Efficiency
Identify and implement AI-powered tools and workflows to make the Credit Risk & Analytics function more efficient and scalable Evaluate and deploy best-in-class tooling for credit modeling, collections automation, data processing, and analytics delivery Stay current on the evolving landscape of fintech AI applications and bring relevant innovations to the team What We Are Looking For Must-Haves
Experience as a P&L owner at a consumer lending company: you've directly managed credit loss, yield, and portfolio economics and can speak to the decisions you made and their outcomes Deep, hands-on credit underwriting experience – not modeling in the abstract, but real ownership of live underwriting decisions and the P&L outcomes they produce. Proven track record building unsecured personal / consumer loan credit models end to end. Experience managing analysts, with a track record of developing talent and building productive, high-output teams Strong AI aptitude: you're already using AI tools in your workflow and have opinions on how they can make a credit/analytics function meaningfully more efficient Deep fluency in credit risk concepts: underwriting policy, scoring models, vintage analysis, loss forecasting, collections strategy Comfort working across functions: you've partnered with Product, Engineering, or Operations teams and know how to translate between risk and business priorities Strong communicator who can present complex portfolio or analytics findings to non-technical stakeholders, up to and including board level Knowledge of consumer lending regulation (TILA, FCRA, ECOA, UDAAP) Deep fluency with the major credit bureaus (Equifax, Experian, TransUnion) – their attributes, scores, and data quirks – plus working experience with additional and alternative data sources. Pedigree from Capital One or a comparably innovative, test-and-learn consumer lender (e.g., Affirm, Upstart, Oportun, Discover, Synchrony, SoFi, Enova); someone who has worked inside a best-in-class underwriting culture. Nice-to-Haves
Experience at a fintech or marketplace lender (point-of-sale lending, BNPL, or installment lending a plus) Demonstrated alternative underwriting experience used to extend credit access to near-prime and subprime applicants. Hands-on experience building or managing credit models (logistic regression, ML-based scorecards, etc.) Familiarity with collections vendor management and agency relationships Experience scaling an analytics team from small to multi-functional What Success Looks Like in Year One
Credit loss and approval rates are moving in the right direction, with a clear underwriting roadmap in place Collections strategy is segmented, instrumented, and showing measurable improvement in recovery rates You've identified and implemented at least two meaningful AI/tooling improvements that save the team time or improve decision quality The SVP of Product considers you a true partner on lending product decisions This Role Is Not for Everyone
This is a player-coach role, and that's not going to change as the company grows. If your instinct is to delegate analysis and own the strategy from a distance, this won't be a fit. We're a lean team, and the VP we're looking for is someone who is as comfortable pulling data and building a model on a Tuesday afternoon as they are presenting portfolio strategy to the President on Wednesday morning.
Specifically, this probably isn't the right role if you:
Prefer to set direction and have analysts own all the hands-on work Need a large, established team and infrastructure before you can be effective Are looking for a role where credit risk is siloed from the rest of the business Define success primarily through headcount growth rather than business outcomes If that sounds limiting, it should — we are being intentional about it. If it sounds energizing, keep reading.
Why You'll Love Working Here Competitive base salary ranging from $250,000 - $275,000 Scratch is a remote-first company, giving ultimate flexibility to today's nomadic work style. For those who prefer a hybrid model, we do have an office space in Pasadena available for use (which is stocked with snacks & various beverages). We offer unlimited PTO, covered healthcare, 401k match, cell plan reimbursement, and monthly recognition opportunities. We also provide learning platforms and resources for all to keep growing. Not only that, but we have an equity retention policy to ensure you grow as the company grows financially, as well. And if your family is growing, we offer generous parental leave, too!
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.
Full job record
| Job ID | 211e633bd9b76f07f44fb718814130f10d8c3686 |
| Org ID | 543e83af-1bef-4871-a597-7a871709971d |
| Source ID | 4929499c-36f7-4ae6-91f3-34575d19d013 |
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| Provider | rippling |
| Provider Job Key | a7bbd302-c328-4bb0-a3ff-30b138e69a72 |
| Title | VP of Credit Risk |
| Normalized Title | — |
| Status | active |
| Active | yes |
| Location Text | Remote (CA, US), CA, United States |
| Department | Credit Risk |
| Team | — |
| Employment Type | full_time |
| Workplace Type | remote |
| Remote Policy | remote |
| Country | United States |
| Region | CA |
| City | (CA |
| Salary Raw | — |
| Salary Min | — |
| Salary Max | — |
| Salary Currency | — |
| Salary Period | — |
| Source URL | https://ats.rippling.com/scratch-financial/jobs/a7bbd302-c328-4bb0-a3ff-30b138e69a72 |
| Apply URL | https://ats.rippling.com/scratch-financial/jobs/a7bbd302-c328-4bb0-a3ff-30b138e69a72 |
| First Seen At | 2026-06-23 09:05:40Z |
| Last Seen At | 2026-06-23 09:05:40Z |
| Last Checked At | 2026-06-23 09:05:40Z |
| Last Changed At | 2026-06-23 09:05:40Z |
| Inactive At | — |
| Source Posted At | 2026-06-15 20:22:18Z |
| Source Updated At | — |
| Raw Payload Uri | s3://job-postings-prod-raw-590183727216/raw/provider=rippling/board=scratch-financial/date=2026-06-23/2026-06-23T09-05-39-731Z-e34e1357818ac546ea28c1624ab38e61245476026037048e176ce5d81781654b.json |
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"role": "<meta><h2 style=\"font-family:"Basel Grotesk",Arial,sans-serif;line-height:1.6;font-size:15pt;font-weight:600;letter-spacing:0.5px;margin-top:18px;margin-bottom:4px;padding-left:0px;\"><b><strong style=\"white-space:pre-wrap;\">Position Overview</strong></b></h2><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">As </span><b><strong style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">VP of Credit Risk</strong></b><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">, you'll own the credit strategy behind every lending decision at Scratch Pay. You'll lead our scoring models and the policy layer that sits alongside them, manage portfolio performance, and responsibly expand </span><i><em style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">who we can say yes to</em></i><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">, especially across near-prime and subprime segments, using alternative data and modern underwriting techniques. You'll operate hands-on in the models and data while building and leading the team that scales the function.</span></p><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">We're looking for this role to serve as the general manager of Scratch Pay’s profitability. This is a high-ownership, cross-functional role: you'll set and execute the strategy for underwriting, collections, and loan performance.</span></p><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">You'll report directly to the President and work closely with our SVP of Product to shape the borrower experience across our lending application and iOS/Android apps. If you're energized by owning a P&L, thrive at the intersection of data and strategy, and want to build something that matters — this role was designed for you.</span></p><h2 style=\"font-family:"Basel Grotesk",Arial,sans-serif;line-height:1.6;font-size:15pt;font-weight:600;letter-spacing:0.5px;margin-top:18px;margin-bottom:4px;padding-left:0px;\"><b><strong style=\"white-space:pre-wrap;\">What You'll Own</strong></b></h2><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><b><strong style=\"font-size:12pt;white-space:pre-wrap;\">Lending P&L & Credit Strategy</strong></b></p><ul data-pattern=\"discCircleSquare\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;\"><li style=\"margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Serve as the GM for lending profitability: own the credit loss rate, approval rate, checkout conversion, unit economics, and yield across our loan portfolio</span></li><li style=\"margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Design and optimize the hard-cut / policy layer that sits alongside the score — knockout rules, eligibility criteria, and approval thresholds — using swap-set and champion/challenger analysis to tune the approve/decline boundary against approval-rate and loss targets.</span></li><li style=\"margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Define and continuously improve our underwriting criteria — credit policy, model inputs, decisioning logic — to optimize risk-adjusted returns</span></li><li style=\"margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Lead collections strategy, including segmentation, treatment paths, agency relationships, and recovery optimization</span></li><li style=\"margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Responsibly expand the approvable population into near-prime (and potentially subprime) by integrating and operationalizing alternative data: cash-flow / bank-transaction data, alternative bureau attributes, income and employment verification, and other non-traditional signals.</span></li><li style=\"margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Own portfolio performance management: loss forecasting, vintage and roll-rate analysis, early-warning indicators, and inputs to loss reserves.</span></li><li style=\"margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Monitor portfolio performance and drive rapid iteration when trends shift</span></li></ul><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><b><strong style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Product Partnership</strong></b></p><ul data-pattern=\"discCircleSquare\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;\"><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Partner closely with the SVP of Product to define improvements to our lending application and borrower-facing iOS and Android apps</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Bring a data-driven and risk-aware lens to product decisions: approval flows, offer presentation, repayment UX, and borrower communications</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Ensure compliance and regulatory considerations are built in from the start, not bolted on</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:13pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Build a rigorous test-and-learn engine (champion/challenger, controlled holdouts, A/B) so credit policy decisions are driven by evidence rather than intuition.</span></li></ul><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><b><strong style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Team Leadership</strong></b></p><ul data-pattern=\"discCircleSquare\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;\"><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(34,34,34);background-color:rgb(255,255,255);font-size:12pt;white-space:pre-wrap;\">Lead and develop a lean but high-performing credit risk team, with expected growth as the business continues to scale</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Develop your team's craft and careers while maintaining high standards for output quality</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Champion a culture of rigor and intellectual honesty (getting it right vs. being right) in how the company uses data</span></li></ul><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><b><strong style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">AI & Operational Efficiency</strong></b></p><ul data-pattern=\"discCircleSquare\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;\"><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Identify and implement AI-powered tools and workflows to make the Credit Risk & Analytics function more efficient and scalable</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Evaluate and deploy best-in-class tooling for credit modeling, collections automation, data processing, and analytics delivery</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Stay current on the evolving landscape of fintech AI applications and bring relevant innovations to the team</span></li></ul><h2 style=\"font-family:"Basel Grotesk",Arial,sans-serif;line-height:1.6;font-size:15pt;font-weight:600;letter-spacing:0.5px;margin-top:18px;margin-bottom:4px;padding-left:0px;\"><b><strong style=\"white-space:pre-wrap;\">What We Are Looking For</strong></b></h2><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><b><strong style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Must-Haves</strong></b></p><ul data-pattern=\"discCircleSquare\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;\"><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Experience as a P&L owner at a consumer lending company: you've directly managed credit loss, yield, and portfolio economics and can speak to the decisions you made and their outcomes</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Deep, hands-on credit underwriting experience – not modeling in the abstract, but real ownership of live underwriting decisions and the P&L outcomes they produce.</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Proven track record building unsecured personal / consumer loan credit models end to end.</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Experience managing analysts, with a track record of developing talent and building productive, high-output teams</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Strong AI aptitude: you're already using AI tools in your workflow and have opinions on how they can make a credit/analytics function meaningfully more efficient</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Deep fluency in credit risk concepts: underwriting policy, scoring models, vintage analysis, loss forecasting, collections strategy</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Comfort working across functions: you've partnered with Product, Engineering, or Operations teams and know how to translate between risk and business priorities</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Strong communicator who can present complex portfolio or analytics findings to non-technical stakeholders, up to and including board level</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Knowledge of consumer lending regulation (TILA, FCRA, ECOA, UDAAP)</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Deep fluency with the major credit bureaus (Equifax, Experian, TransUnion) – their attributes, scores, and data quirks – plus working experience with additional and alternative data sources.</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Pedigree from Capital One or a comparably innovative, test-and-learn consumer lender (e.g., Affirm, Upstart, Oportun, Discover, Synchrony, SoFi, Enova); someone who has worked inside a best-in-class underwriting culture.</span></li></ul><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><b><strong style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Nice-to-Haves</strong></b></p><ul data-pattern=\"discCircleSquare\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;\"><li style=\"margin:3px 0px;font-size:11pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Experience at a fintech or marketplace lender (point-of-sale lending, BNPL, or installment lending a plus)</span></li><li style=\"margin:3px 0px;font-size:11pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Demonstrated alternative underwriting experience used to extend credit access to near-prime and subprime applicants.</span></li><li style=\"margin:3px 0px;font-size:11pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Hands-on experience building or managing credit models (logistic regression, ML-based scorecards, etc.)</span></li><li style=\"margin:3px 0px;font-size:11pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Familiarity with collections vendor management and agency relationships</span></li><li style=\"margin:3px 0px;font-size:11pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Experience scaling an analytics team from small to multi-functional</span></li></ul><hr><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><b><strong style=\"color:rgb(0,0,0);font-size:17pt;white-space:pre-wrap;\">What Success Looks Like in Year One</strong></b></p><ul data-pattern=\"discCircleSquare\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;\"><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Credit loss and approval rates are moving in the right direction, with a clear underwriting roadmap in place</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Collections strategy is segmented, instrumented, and showing measurable improvement in recovery rates</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">You've identified and implemented at least two meaningful AI/tooling improvements that save the team time or improve decision quality</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">The SVP of Product considers you a true partner on lending product decisions</span></li></ul><hr><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><b><strong style=\"color:rgb(0,0,0);font-size:17pt;white-space:pre-wrap;\">This Role Is Not for Everyone</strong></b></p><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">This is a player-coach role, and that's not going to change as the company grows. If your instinct is to delegate analysis and own the strategy from a distance, this won't be a fit. We're a lean team, and the VP we're looking for is someone who is as comfortable pulling data and building a model on a Tuesday afternoon as they are presenting portfolio strategy to the President on Wednesday morning.</span></p><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Specifically, this probably isn't the right role if you:</span></p><ul data-pattern=\"discCircleSquare\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;\"><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Prefer to set direction and have analysts own all the hands-on work</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Need a large, established team and infrastructure before you can be effective</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Are looking for a role where credit risk is siloed from the rest of the business</span></li><li style=\"color:rgb(0,0,0);margin:3px 0px;font-size:12pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">Define success primarily through headcount growth rather than business outcomes</span></li></ul><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:12pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"color:rgb(0,0,0);font-size:12pt;white-space:pre-wrap;\">If that sounds limiting, it should — we are being intentional about it. If it sounds energizing, keep reading.</span></p><hr><h2 style=\"font-family:"Basel Grotesk",Arial,sans-serif;line-height:1.6;font-size:15pt;font-weight:600;letter-spacing:0.5px;margin-top:18px;margin-bottom:4px;padding-left:0px;\"><b><strong style=\"white-space:pre-wrap;\">Why You'll Love Working Here</strong></b></h2><ul data-pattern=\"discCircleSquare\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;\"><li style=\"margin:3px 0px;font-size:13pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">Competitive base salary ranging from $250,000 - $275,000</span></li></ul><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:13pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">Scratch is a remote-first company, giving ultimate flexibility to today's nomadic work style. For those who prefer a hybrid model, we do have an office space in Pasadena available for use (which is stocked with snacks & various beverages). We offer unlimited PTO, covered healthcare, 401k match, cell plan reimbursement, and monthly recognition opportunities. We also provide learning platforms and resources for all to keep growing. Not only that, but we have an equity retention policy to ensure you grow as the company grows financially, as well. And if your family is growing, we offer generous parental leave, too!</span></p><h2 style=\"font-family:"Basel Grotesk",Arial,sans-serif;line-height:1.6;font-size:15pt;font-weight:600;letter-spacing:0.5px;margin-top:18px;margin-bottom:4px;padding-left:0px;\"><span style=\"white-space:pre-wrap;\">How to Apply</span></h2><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:13pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">Ready to join our team? To apply, please visit our </span><a href=\"https://scratchpay.com/career/\" target=\"_blank\" class=\"css-173makr-linkStyle\" style=\"color:rgb(30,74,169);cursor:pointer;\"><span style=\"white-space:pre-wrap;\">Scratch Careers Page</span></a><span style=\"font-size:13pt;white-space:pre-wrap;\">. Be sure to:</span></p><ol data-pattern=\"deciLoAlphaLoRom\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:decimal;\"><li style=\"margin:3px 0px;font-size:13pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">Submit your resume.</span></li><li style=\"margin:3px 0px;font-size:13pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">Answer the custom questions provided.</span></li><li style=\"margin:3px 0px;font-size:13pt;line-height:1.6;letter-spacing:0.25px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">Feel free to add any additional information or documents you believe are relevant to your application.</span></li></ol><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:13pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">We look forward to reviewing your application!</span></p><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:13pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">*Our team will ONLY contact you from the domain </span><b><strong style=\"font-size:13pt;white-space:pre-wrap;\">@scratchpay.com or @ats.rippling.com</strong></b></p><h2 style=\"font-family:"Basel Grotesk",Arial,sans-serif;line-height:1.6;font-size:15pt;font-weight:600;letter-spacing:0.5px;margin-top:18px;margin-bottom:4px;padding-left:0px;\"><span style=\"white-space:pre-wrap;\">Our Commitment</span></h2><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:13pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">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.</span></p><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:13pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">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.</span></p>",
"company": "<meta><h1 style=\"font-family:"Basel Grotesk",Arial,sans-serif;line-height:1.6;font-size:15pt;font-weight:600;letter-spacing:1px;margin-top:24px;margin-bottom:4px;text-align:start;padding-left:0px;\"><span style=\"font-size:15pt;white-space:pre-wrap;\">Who We Are</span></h1><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:13pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;text-align:start;\"><b><strong style=\"font-size:13pt;white-space:pre-wrap;\">Scratch Financial (“Scratch”)</strong></b><span style=\"font-size:13pt;white-space:pre-wrap;\"> 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 15,000+ practices across the U.S. and Canada.</span></p><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:13pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;text-align:start;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">Scratch has 2 main products:</span></p><ol data-pattern=\"deciLoAlphaLoRom\" data-depth=\"1\" style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:decimal;\"><li style=\"margin:3px 0px;font-size:13pt;line-height:1.6;letter-spacing:0.25px;text-align:start;\"><b><strong style=\"font-size:13pt;white-space:pre-wrap;\">Scratch Pay: </strong></b><span style=\"font-size:13pt;white-space:pre-wrap;\">Point-of-sale client facing lending, including a BNPL offering and longer-term payment plans</span></li><li style=\"margin:3px 0px;font-size:13pt;line-height:1.6;letter-spacing:0.25px;text-align:start;\"><b><strong style=\"font-size:13pt;white-space:pre-wrap;\">Scratch Checkout:</strong></b><span style=\"font-size:13pt;white-space:pre-wrap;\"> Payment processing that is integrated with the veterinary practice management software</span></li></ol><p style=\"font-family:"Basel Grotesk",Arial,sans-serif;font-size:13pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;text-align:start;\"><span style=\"font-size:13pt;white-space:pre-wrap;\">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.</span></p>"
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}Get this page with API
Rendered from the bluedoor Job Postings API. Reproduce it:
GET https://api.bluedoor.sh/job-postings/v1/jobs/211e633bd9b76f07f44fb718814130f10d8c3686?include=descriptionJSONGET https://api.bluedoor.sh/job-postings/v1/orgs/543e83af-1bef-4871-a597-7a871709971dJSONGET https://api.bluedoor.sh/job-postings/v1/sources/4929499c-36f7-4ae6-91f3-34575d19d013JSONGET https://api.bluedoor.sh/job-postings/v1/jobs/211e633bd9b76f07f44fb718814130f10d8c3686/eventsJSON