Scratch Financial
·Product Management
Sr. Product Manager, Lending
About this role
Lead end-to-end ownership of Scratch's lending products from origination through underwriting and servicing. Set strategy and roadmap for extending fair, affordable credit to pet parents across point-of-sale lending, BNPL, and longer-term payment plans. Work closely with engineering, design, risk, credit, finance, compliance, and sponsor bank partners in a remote-friendly fintech environment.
Must have
Deep knowledge of consumer lending including underwriting, credit decisioning, loan origination, servicing, and collections
Experience with sponsor-bank partnership models
Experience with partner APIs for b2b client relationships
Familiarity with credit bureau data and alternative data sources for underwriting
Hands-on experience running A/B tests to optimize underwriting and product outcomes
Proven success working with cross-functional agile teams including risk, compliance, and data science
Strong documentation and stakeholder communication skills
Technologies
Responsibilities
Set strategy, roadmap, and execution for lending products including POS lending, BNPL, and longer-term payment plans
Manage relationships with sponsor bank partners and loan management software provider
Own and evolve partner API solutions including credit bureau and alternative data integrations
Own customer-facing tools such as application funnel and borrower servicing portal
Partner with data science and risk teams to build cashflow underwriting and credit risk models
Collaborate with agile pod of engineers, QA, and design to define requirements and ship features
Drive testing and experimentation practice including A/B testing of underwriting criteria and flows
Document product requirements, underwriting logic, and decisioning rules for regulatory audiences
Ensure lending products meet state lending laws, TILA/Reg Z, and fair lending requirements
Benefits
Amenities
Recruitment process
Series C fintech startup based in Los Angeles focused on veterinary medical financing
15,000+ partner practices across US and Canada
Two main products: Scratch Pay (POS lending and BNPL) and Scratch Checkout (payment processing)
Remote-friendly company with optional hybrid office in Pasadena
Equity retention policy to ensure financial growth with company
Team contacts only from @scratchpay.com or @ats.rippling.com domains
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