Who We Are Scratch Financial (“Scratch”) is a late stage venture-backed financial technology business based in Pasadena, California. Backed by Norwest.
About the role
We're looking for a CFO who has been here before — someone who has managed complex lending facilities, built relationships with debt capital providers, and guided a company through a significant exit. This isn't a role for someone looking to learn what a credit facility is or experience their first M&A process. We need a seasoned operator who can hit the ground running, earn the trust of our board and investors quickly, and build the financial infrastructure to support the next chapter of Scratch's growth.
What they're looking for
- Direct, hands-on experience managing lending facilities and debt capital relationships — you've negotiated term sheets, managed covenants, and worked through facility amendments, you can speak to the details
- Experience leading or co-leading a $100M+ exit process (M&A, acquisition, or recapitalization), with $200M+ strongly preferred — you know what diligence feels like from the inside and have the scars to prove it
- Track record of building or materially improving financial infrastructure at a growth-stage company
- Strong communicator who can translate complex financial concepts for board members, debt investors, and internal non-finance stakeholders alike
- Experience managing a finance team, with a demonstrated ability to develop people and hold a high bar for output
- Background in consumer lending, fintech, or marketplace lending
More about this role
We're looking for a CFO who has been here before — someone who has managed complex lending facilities, built relationships with debt capital providers, and guided a company through a significant exit. This isn't a role for someone looking to learn what a credit facility is or experience their first M&A process. We need a seasoned operator who can hit the ground running, earn the trust of our board and investors quickly, and build the financial infrastructure to support the next chapter of Scratch's growth.
You'll report directly to the CEO and lead a team of 5 across FP&A, accounting, and finance operations. You'll be a key voice in company strategy and the primary financial partner to the executive team, board, and external capital providers.
Capital Strategy & Debt Facility Management
- Own all relationships with debt capital providers — warehouse lenders, forward flow partners, and other structured finance counterparties
- Manage covenant compliance, borrowing base reporting, and facility utilization across existing lending facilities
- Lead negotiations for new or expanded credit facilities as the portfolio grows
- Develop and maintain the capital plan, ensuring the business...
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