{"id":1260176,"url":"https://alion.io/job/scratchpay-sr-product-manager-lending","title":"Sr. Product Manager, Lending","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":"Product","role_family":"Product","seniority":"senior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":[],"countries":[],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":150000,"max":175000,"currency":"USD","period":"year","gross":null,"usd_annual":175000},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"A/B Testing","optional":false},{"name":"Agile","optional":false}],"status":"closed","first_seen_at":"2026-08-14T18:22:26Z","employer_posted_date":"2026-08-14","last_verified_at":"2026-10-08T16:00:08Z","board_verified":false,"closed_at":"2026-10-08T16:00:08Z","days_open":54,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":54},"description":"About Scratch\nScratch Financial (“Scratch”) is a Series C financial technology startup based in Los Angeles, California. Our goal is to make difficult financial decisions simple and increase accessibility to fair, affordable, and transparent medical financing. 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.\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\nIf 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.\nAbout the role\nAs Sr. Product Manager for Lending, you'll have end-to-end ownership of Scratch's lending products, from origination through underwriting and servicing. You'll set the strategy and roadmap for how we extend fair, affordable credit to pet parents, working closely with engineering, design, risk, credit, finance, servicing, compliance, and our sponsor bank partners to build lending experiences that are fast, transparent, and responsible.\nWhat you'll do\nAssist the strategy, roadmap, and execution for lending products, including:\nPoint-of-sale lending and BNPL offerings\nLonger-term installment and payment plans\nCredit decisioning and application flows\nLoan servicing and account management tools\nFeature flag management across lending environments\nCreation of new offerings such as wellness and/or subscription services\n\nManage and grow relationships with sponsor bank partners as well as our loan management software provider, ensuring product decisions align with partnership agreements, risk appetite, and regulatory requirements\nOwn and evolve partner API solutions, including integrations with credit bureaus and alternative data providers for underwriting and risk model scoring\nOwn and evolve customer facing tools such as the application funnel and borrower servicing portal \nPartner with data science and risk teams to build and refine cashflow underwriting tools and credit risk models that improve approval rates while managing loss exposure\nCollaborate with an Agile pod of engineers, QA, and design to define product requirements, prototype new lending flows, and ship features on time\nDrive a rigorous testing and experimentation practice, including A/B testing of underwriting criteria, application flows, and servicing experiences\nOwn clear, thorough documentation of product requirements, underwriting logic, and decisioning rules for cross-functional and regulatory audiences\nCollaborate with legal, compliance, and operations to ensure lending products meet all applicable regulatory requirements (e.g., state lending laws, TILA/Reg Z, fair lending)\nAct as the product alpha for all things lending, making data-driven decisions using both internal performance data and external benchmarks\nWhat we are looking for\nDeep knowledge of consumer lending: underwriting, credit decisioning, loan origination, servicing, collections, and the regulatory landscape (state lending laws, TILA/Reg Z, fair lending, etc.)\nExperience operating and navigating sponsor-bank partnership models\nExperience with partner APIs to facilitate b2b client relationships \nFamiliarity with data ingestion and advanced model scoring, ideally related to underwriting and credit risk model scoring using credit bureau ((e.g., Experian, Equifax, TransUnion) or alternative data sources (e.g. cashflow underwriting)\nStrong experimentation muscle, including hands-on experience running A/B tests to optimize underwriting and product outcomes\nComfort with prototyping and iterating quickly with design and engineering to test new lending concepts\nProven success working with cross-functional agile teams, including risk, compliance, and data science\nStrong documentation and stakeholder communication skills-be the alpha and the translator\nBonus points if you've worked in veterinary, healthcare, or care-adjacent industries\nWhy You'll Love Working Here\nCompetitive base salary ranging from $150,000 - $175,000 + equity\nScratch is a remote-friendly company, giving flexibility to today's working 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!\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 domains @scratchpay.com or @ats.rippling.com\n--\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":5678,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["401k plan","Equity","Parental leave","Unlimited PTO"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Veterinary Medicine","Payment Processing & Gateways"],"lifecycle":[{"event":"open","at":"2026-09-25T20:10:54Z"},{"event":"close","at":"2026-10-08T16:00:08Z"}],"visa":[],"liveness":null,"pay":{"stated_usd_annual":175000,"is_top_pay":false},"html_url":"https://alion.io/job/scratchpay-sr-product-manager-lending","json_url":"https://alion.io/job/scratchpay-sr-product-manager-lending.json","meta":{"generated_at":"2026-10-11T22:28:36Z","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":12381,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-12T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"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-sr-product-manager-lending"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"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-sr-product-manager-lending"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"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-sr-product-manager-lending"},{"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-sr-product-manager-lending\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fscratchpay-sr-product-manager-lending"}]}