# Credit Risk Manager at Scratch Financial

- Company: Scratch Financial
- What the company does: Who We Are Scratch Financial (“Scratch”) is a late stage venture-backed financial technology business based in Pasadena, California. Backed by Norwest.
- Company website: https://scratchpay.com/
- Type: Startups
- Level: Senior
- Location: Remote (United States)
- Work setup: Remote
- Pay: $130K to $170K base salary per year (USD)
- Posted: 2026-10-29
- Apply by: 2026-12-13
- Apply: https://ats.rippling.com/scratch-financial/jobs/218b9037-8046-45c7-9857-44a928f05ae2?utm_source=1752vc&utm_medium=careers
- Page: https://www.1752.vc/careers/jobs/scratch-financial-credit-risk-manager/

## 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

Tags: Credit Risk

Source: 1752vc Careers, https://www.1752.vc/careers/jobs/scratch-financial-credit-risk-manager/