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 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. Found on 1752vc Careers, the job board for startup and VC roles.
What they're looking for
- Bachelor's degree in a quantitative field (e.g., Statistics, Economics, Math, Engineering, Finance)
- 3+ years in consumer lending credit risk or analytics at a bank or fintech (underwriting, credit strategy, or loss mitigation/collections)
- Hands-on experience across the credit strategy lifecycle: analysis, strategy design, test design, implementation validation and post-implementation monitoring
- Strong SQL and Python, comfortable with large loan-level and credit bureau datasets
- Real enthusiasm for using AI tools to accelerate your work, and the judgment to verify what they produce
- A critical thinker who works autonomously, structures ambiguous problems and drives them to a decision
More about this role
We'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.
You'll work across the full scope of our Credit team, with specific projects dictated by priorities. Example work streams include:
- Own analyses that shape underwriting strategy: find approval and loss opportunities, size the trade-offs, and recommend policy changes
- Diagnose the drivers of credit performance (delinquency, roll rates, losses) and turn them into clear actions
- Improve our loss mitigation, collections and recovery strategies, including designing and reading champion/challenger tests
- Analyze how our application and...
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