Scratch Financial (“Scratch”) is a late stage venture-backed financial technology business based in Pasadena, California. At Scratch, everything starts and ends with our mission: being the payment partner of choice for veterinary practices and helping pet parents access the care their animals need without financial barriers. Driven by our award-winning technology, Scratch has become the fastest growing financing provider in veterinary care, with a partner network of 15,000+ practices across the U.S. and Canada.
Scratch has 2 main products:
- Scratch Pay: Point-of-sale client facing lending, including a BNPL offering and longer-term payment plans
- Scratch Checkout: Payment processing that is integrated with the veterinary practice management software
We are a company built on the foundation of transforming the way pet healthcare payments are done, and we are looking for innovators who share our commitment to shaping the future of veterinary care financing. If putting compassion first, helping tell the story of groundbreaking products and continuously learning & refining to achieve exceptional outcomes sounds like you, then we encourage you to apply.
Position OverviewScratch is seeking a Director of Analytics to lead and scale the analytics function powering our two commercial engines: payments (Scratch Checkout) and B2B2C lending (Scratch Pay). This role partners closely with Sales, Marketing, Product, Risk, and Finance to translate data into pipeline, conversion, and unit economics gains.
This is a hands-on leadership role requiring fluency in commercial analytics, experimentation design, and CRM/data infrastructure. The Director of Analytics will own the analytics supporting go-to-market execution for our payments business and the testing & personalization roadmap that drives borrower conversion and LTV in our lending business.
What You'll DoCommercial Analytics & Go-to-Market Support
- Serve as the analytics partner to Sales and Marketing leadership for the Scratch Checkout payments business, owning pipeline analytics, funnel diagnostics, territory and segmentation analysis, and pricing/economics modeling.
- Build and maintain the source-of-truth reporting layer for partner acquisition, activation, and retention.
- Translate commercial questions into structured analyses that drive decisions on territory design, quota setting, channel mix, lead scoring, and partner lifecycle programs.
- Quantify the revenue impact of marketing investments and sales motions, partnering with Marketing on attribution, campaign measurement, and ROI frameworks.
Data Infrastructure & Function Building
- Set the analytics technology and tooling strategy in partnership with Engineering and Commercial peers, including BI platforms (e.g., Sigma, BigQuery), experimentation tooling, and CRM/marketing automation data flows.
- Establish standards for data quality, definitions, documentation, and AI-driven self-service enablement so business stakeholders can answer their own questions where appropriate.
- Define the go-forward analytics operating model to ensure the team is focused on the highest-leverage commercial questions.
- Translate company growth goals into quarterly and annual analytics roadmaps with clear deliverables and measurable business impact.
People Leadership & Team Development
- Lead, mentor, and develop a team of high-performing, high-potential analysts.
- Collaborate with the team to establish quarterly KRs within our OKR framework, with an eye towards professional development aligned to business outcomes.
- Set clear goals, briefs, success metrics, and accountability frameworks for any external analytics partners or vendors.
- Support the team within Scratch’s culture of Owning Outcomes, Getting it Right over Being Right and Driving Innovation with an Eye towards Efficiency.
- 8–10+ years of progressive experience in commercial, growth, or business analytics roles, ideally in B2B, B2B2C, or two-sided marketplace environments.
- Proven people leadership experience, including managing senior individual contributors.
- Demonstrated success driving measurable commercial outcomes — pipeline, conversion, retention, or unit economics — through analytics and experimentation.
- Deep experience designing and reading out A/B tests and personalization programs in a consumer-facing or B2B2C product.
- Strong fluency with modern data stacks: SQL, dbt, cloud warehouses (Snowflake/BigQuery/Redshift), and BI platforms (e.g., Sigma, Tableau, Looker).
- Hands-on experience integrating analytics with CRM and marketing automation platforms (e.g., HubSpot, Salesforce) to support go-to-market execution.
- Experience partnering cross-functionally with Sales, Marketing, Product, Risk, and Finance, and translating between technical and commercial audiences.
- Background in FinTech, Payments, Lending, HealthTech, Animal Health, or regulated industries preferred.
- Competitive base salary ranging from $180,000 - $200,000
Scratch is a remote-first company, giving ultimate flexibility to today's nomadic work style. For those who prefer a hybrid model, we do have an office space in Pasadena available for use (which is stocked with snacks & various beverages). We offer unlimited PTO, covered healthcare, 401k match, cell plan reimbursement, and monthly recognition opportunities. We also provide learning platforms and resources for all to keep growing. Not only that, but we have an equity retention policy to ensure you grow as the company grows financially, as well. And if your family is growing, we offer generous parental leave, too!
How to ApplyReady to join our team? To apply, please visit our Scratch Careers Page. Be sure to:
- Submit your resume.
- Answer the custom questions provided.
- Feel free to add any additional information or documents you believe are relevant to your application.
We look forward to reviewing your application!
*Our team will ONLY contact you from the domain @scratchpay.com or @ats.rippling.com
Our CommitmentWe’re innovators who care deeply about the lives of pets, their owners, and veterinary professionals. We believe diversity strengthens our team and drives better solutions.
Scratch is committed to diversity in its workforce and is proud to be an equal opportunity employer. Scratch considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.
What the Team is Saying
Scratch Financial Compensation & Benefits Highlights
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Healthcare Strength — Company materials and employer-verified listings highlight full health coverage spanning medical, dental, vision, and life/disability. This breadth of core coverage positions healthcare as a strong element of the total rewards.
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Parental & Family Support — The company highlights generous paid parental leave with a structured return-to-work program, alongside family-related leave options. Public company pages also point to paid holidays, sick days, bereavement, and paid volunteer time.
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Equity Value & Accessibility — Roles commonly include stock options, with equity programs and an employee stock purchase plan referenced across company and profile pages. Inclusion of performance bonuses further supports long-term and variable upside in total compensation.
Scratch Financial Insights
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What We Do
Scratch is a dynamic and innovative fintech company at the forefront of patient lending and payment processing, serving a network of over 15,000 healthcare practices across the United States and Canada. Our mission is to revolutionize the veterinary financial experience, ensuring pet parents have seamless access to the treatments they need without the burden of financial stress.
Why Work With Us
At Scratch, our company culture is defined by a refreshing absence of rigid hierarchy, a deep commitment to collaboration, and an insatiable curiosity. We believe in empowering our team to bring their unique perspectives to the table, fostering an environment where every voice is valued.
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Scratch Financial Offices
Remote Workspace
Employees work remotely.
Scratch is a remote-first company - we currently have Scratchers in 15+ countries worldwide! If going into the office is your jam, we do have an office in Pasadena, CA for folks who desire a hybrid model.
