Jobs at Scratch Financial

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.

Own the credit strategy and P&L for Scratch Pay, leading underwriting, scoring models, policy rules, collections, and portfolio performance. Build and manage a lean credit risk team, operationalize alternative data and AI tooling, partner with Product on borrower experience, and run rigorous test-and-learn experiments to expand approvable customers while controlling loss rates.

Own Tier 2/3 escalations for payment processing, API integration, and SaaS platform issues. Troubleshoot across payment rails, third-party integrations, and internal systems (PostgreSQL, Firebase, JetAdmin). Build and maintain AI agents and automation to reduce ticket volume. Partner with Product and Engineering to resolve systemic issues, document root causes, and serve as a technical escalation resource for frontline support.

Manage late-stage sales pipeline, close deals with consultative selling, exceed quarterly quotas, run virtual demos, maintain CRM pipeline hygiene, collaborate cross-functionally, and build long-term client relationships in the veterinary payments space.

Promote Scratch Checkout to veterinary practices via outbound and inbound outreach. Generate and qualify leads, book demos for Account Executives, and maintain CRM records in HubSpot. Meet pipeline and meeting-setting metrics, stay informed on industry trends and competitor offerings, and collaborate with sales team to improve payment workflows and client satisfaction.