Teams at Scratch Financial

Own end-to-end lending products (origination, underwriting, servicing) and roadmap. Lead integrations with sponsor banks, credit bureaus, and loan management software. Collaborate with engineering, design, risk, data science, compliance to build underwriting, decisioning, and servicing experiences; run A/B tests and document underwriting logic to meet regulatory requirements.

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.

Design and build frontend and backend systems for lending and payments: architect services, implement APIs and event integrations, write tested maintainable code, improve CI/CD, participate in agile rituals, handle incidents, and collaborate cross-functionally to deliver production-ready features.