{"id":3534317,"url":"https://alion.io/job/scratchpay-credit-risk-manager","title":"Credit Risk Manager","company":{"id":1837166,"name":"Scratchpay","domain":"scratchpay.com","url":"https://alion.io/company/scratchpay","size_band":"11-50","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Rippling","truth_index":null},"role":"Finance","role_family":"Finance","seniority":null,"employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Pasadena, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":130000,"max":170000,"currency":"USD","period":"year","gross":null,"usd_annual":170000},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-29T19:21:57Z","employer_posted_date":"2026-10-29","last_verified_at":"2026-11-13T11:26:26Z","board_verified":true,"closed_at":null,"days_open":14,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":14},"description":"Who We Are\nScratch 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 17,000+ practices across the U.S. and Canada.\nScratch has 2 main products:\nScratch Pay: Point-of-sale lending, including a BNPL offering and longer-term payment plans\nScratch Checkout: Payment processing that is integrated with the veterinary practice management software\nWe 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.\nPosition Overview\nWe're looking for a Credit Risk Manager to join Scratch's Credit team and own high-impact analysis across the full consumer lending lifecycle: who we approve, how we turn approvals into loans, how our loans perform, and how we help borrowers who fall behind. You'll turn data into critical decisions on underwriting strategy, loss mitigation and collections, and our application funnel, working directly with our VP of Credit RIsk and partners across Product, Engineering, Finance, and Marketing. This is a hands-on individual contributor role for someone who wants big scope, real ownership, and a team that uses AI to turbocharge our analytical approach.\nWhat You'll Do\nYou'll work across the full scope of our Credit team, with specific projects dictated by priorities. Example work streams include:\nOwn analyses that shape underwriting strategy: find approval and loss opportunities, size the trade-offs, and recommend policy changes\nDiagnose the drivers of credit performance (delinquency, roll rates, losses) and turn them into clear actions\nImprove our loss mitigation, collections and recovery strategies, including designing and reading champion/challenger tests\nAnalyze how our application and checkout experience affects the originations funnel, and partner with Product to improve it\nContribute to underwriting model improvements and help build new models, from data prep through validation and monitoring\nBuild repeatable, AI-assisted workflows that make the team faster and our analysis more reliable\nCommunicate findings to executives and to our bank and capital partners in clear, concise recommendations\nWhat We Are Looking For\nBachelor's degree in a quantitative field (e.g., Statistics, Economics, Math, Engineering, Finance)\n3+ years in consumer lending credit risk or analytics at a bank or fintech (underwriting, credit strategy, or loss mitigation/collections)\nHands-on experience across the credit strategy lifecycle: analysis, strategy design, test design, implementation validation and post-implementation monitoring\nStrong SQL and Python; comfortable with large loan-level and credit bureau datasets\nReal enthusiasm for using AI tools to accelerate your work, and the judgment to verify what they produce\nA critical thinker who works autonomously, structures ambiguous problems and drives them to a decision\nClear, concise communicator with senior stakeholders\nTeam player with a great attitude, an ownership mindset and a bias for getting things done\nNice to have:\nPoint-of-sale, installment or BNPL lending\nCollections/recoveries strategy\nModel development (e.g., logistic regression, gradient boosting)\nExperience working with a partner bank\nWhat You Can Expect From Our Process\nWhile these steps may vary slightly from role to role, we aim for a well-rounded interview approach for all involved.\nA quick chat with People Ops (HR): To ensure logistics and team fit make sense from both sides.\nHiring Manager Interview: A deep dive to evaluate your credit depth, past business impact, overall operating style, and answer any questions you have about the team.\nLive Exercise with Hiring Manager: A practical exercise evaluating your analytical rigor, judgment, and communication approach.\nTeam Panel Interview: Opportunity to meet the team, discuss your hands-on SQL/Python depth and cross-functional collaboration skills.\nExecutive-Level Interviews & Reference Checks: A chance for you to meet our leaders, discuss big-picture alignment, and introduce us to your professional references.\n*In-Person Connection: We include an in-person visit at our Pasadena HQ, either within the final interview steps or during your first week of onboarding, so we can connect face-to-face right from the start.\nWhy You'll Love Working Here\nCompetitive base salary ranging from $130,000 - $170,000 + equity\nWhile Scratch supports remote work for most roles, we believe the secret sauce to our team culture is meaningful connection and close collaboration. For those nearby or visiting, our Pasadena office is fully open and stocked with snacks and drinks for hybrid work. We also bring the whole company together each year for Hub Day, our annual onsite where everyone gathers in person to bond, align, and celebrate our wins together!\nAlongside our collaborative team environment, we offer unlimited PTO, covered healthcare, flex benefits, 401(k) matching, cell plan reimbursement, monthly recognition opportunities, continuous learning resources, an equity retention program, and generous parental leave!\nHow to Apply\nReady to join our team? To apply, please visit our Scratch Careers Page. Be sure to:\nSubmit your resume.\nAnswer the custom questions provided.\nFeel free to add any additional information or documents you believe are relevant to your application.\nWe look forward to reviewing your application!\n*Our team will ONLY contact you from the domain @scratchpay.com or @ats.rippling.com\nOur Commitment\nWe’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.\nScratch 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.","description_format":"text","description_chars":6656,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Continuous learning","Equity","Hybrid work","Parental leave","Unlimited PTO"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Consumer Loans & Pawnshops","Buy Now, Pay Later"],"lifecycle":[{"event":"open","at":"2026-10-30T17:04:47Z"}],"visa":[{"country":"US","licensed_sponsor":true,"adverts_offering_sponsorship_24m":0,"sanctioned_now":false,"evidence":"Filed H-1B visas in the last two years","filings_12m":0,"filings_prev_12m":1,"green_card_filings_12m":0,"median_offered_wage_usd":null,"route":null,"cap_exempt":false,"checked_at":"2026-11-12T07:36:15+00:00","sources":["US Department of Labor: LCA disclosure data (H-1B, H-1B1, E-3)","US Department of Labor: PERM disclosure data (green cards)"],"filings_for_role_12m":0}],"liveness":{"score":69,"band":"ok","label":"Likely open","p_open":1,"p_active":0.769,"p_room":0.9,"age_days":13,"expected_fill_days":30,"reasons":["conf:0","win:mid"],"computed_at":"2026-11-12T10:38:37Z"},"pay":{"stated_usd_annual":170000,"is_top_pay":true},"html_url":"https://alion.io/job/scratchpay-credit-risk-manager","json_url":"https://alion.io/job/scratchpay-credit-risk-manager.json","meta":{"generated_at":"2026-11-13T12:16:27Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":24665,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-14T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":1837166},"rest":"https://alion.io/mcp/rest/get_company?id=1837166"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fscratchpay-credit-risk-manager"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"free","price":{"credits":0,"usd":0},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fscratchpay-credit-risk-manager"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fscratchpay-credit-risk-manager"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/scratchpay-credit-risk-manager\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fscratchpay-credit-risk-manager"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3534317}},{"tool":"search_jobs","arguments":{"company":"scratchpay.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3534317},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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