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.