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Scratch Financial is a Series C fintech startup based in Los Angeles specializing in medical financing, with particular strength in veterinary care. The company operates two main products: Scratch Pay (point-of-sale lending including BNPL and longer-term payment plans) and Scratch Checkout (integrated payment processing for veterinary practice management software). With 15,000+ partner practices across the US and Canada, Scratch is the fastest-growing financing provider in veterinary care.
As Senior Product Manager for Lending, you will own end-to-end strategy and execution for Scratch's lending products, spanning origination through underwriting and servicing. You'll set the product roadmap and strategy for extending fair, affordable credit to pet parents while working cross-functionally with engineering, design, risk, credit, finance, servicing, compliance, and sponsor bank partners.
Key responsibilities include:
- Developing strategy, roadmap, and execution for lending products including point-of-sale lending, BNPL offerings, longer-term installment plans, credit decisioning flows, loan servicing tools, and feature flag management
- Creating new offerings such as wellness and subscription services
- Managing and growing relationships with sponsor bank partners and loan management software providers, ensuring alignment with partnership agreements, risk appetite, and regulatory requirements
- Collaborating with cross-functional teams to build lending experiences that are fast, transparent, and responsible
- Driving product decisions that balance user needs with regulatory compliance and risk management
This role requires deep product thinking, cross-functional leadership, and the ability to navigate complex financial services requirements while maintaining a user-first mindset.
