Jobs 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.

Promote Scratch Checkout to veterinary practices through phone, email, and social outreach. Generate and qualify leads, conduct account research, book qualified meetings and demos for Account Executives, maintain CRM records in HubSpot, monitor industry and competitor trends, and meet pipeline and meeting-setting targets. The role includes quarterly travel to conferences, trade shows, and partner clinics, with a hybrid schedule in Pasadena.

Manage daily, weekly, and monthly accounting and reconciliations for payments processing and lending businesses. Analyze transaction data, prepare billing and accounts receivable entries, reconcile clinic activity, complete month-end close tasks, prepare journal entries and accruals, support audits, and collaborate with Product and Revenue teams to resolve discrepancies.

Leads and develops a team of Sales Development Representatives generating qualified demos and pipeline for a fintech payment solution. Establishes outreach strategies, KPIs, coaching, onboarding, and performance standards; partners with Account Executives, RevOps, Product, and Marketing to improve lead quality, conversions, handoffs, and CRM hygiene. Reports pipeline and performance metrics, identifies process and tooling improvements, and contributes as a player-coach to revenue growth.

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.

Lead finance organization (FP&A, accounting, finance ops) and manage debt capital relationships, covenant compliance, and liquidity planning. Own exit readiness and lead M&A/recapitalization processes, financial reporting, audits, and investor/board communications. Drive budgeting, forecasting, ROI frameworks, controls, and team development in a hands-on player-coach CFO role.