Teams 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.