Scratch Financial Offices

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.