Teams at Scratch Financial

Own consumer lending credit risk analysis across underwriting, originations, loan performance, loss mitigation, collections, and recovery. Develop recommendations for credit policy, analyze delinquency and loss drivers, design testing strategies, contribute to risk model development and monitoring, and improve application funnels. The role requires strong SQL and Python skills, quantitative analysis, autonomous problem-solving, and clear communication with executives, product, engineering, finance, and lending partners.

Lead enterprise sales and strategic account management to grow adoption of Scratch Checkout and new initiatives. Own full sales cycle, deepen adoption across large Scratch Pay partners, manage executive relationships, run ROI-driven business reviews, commercialize new products (e.g., Rebates), and coordinate cross-functional implementations and go-to-market activities.