Scratch Financial is the world's simplest patient financing solution.
Higher approval rates, transparent loan terms, fast & easy setup.
60-second patient applications and instant approvals.
See why thousands of health & wellness practices around the U.S.
and Canada choose Scratch as their friendly financing provider.
Become a partner in minutes!

Scratch Financial

Browse and apply for open jobs at Scratch Financial.

product-manager

Scratch Financial is a company that provides simple and transparent payment plans for medical financing. They offer easy and friendly payment options with no prepayment penalty and no deferred interest, aiming to make financing accessible without affecting the borrower's credit score. Scratch Financial supports borrowers with plans ranging from $200 to $10,000, with terms between 12 to 36 months. They ensure high approval rates and affordable rates, making it easy for customers to manage their finances for medical needs. The company operates by offering plans in both the US and Canada, with loans serviced by WebBank in the US.

Scratch Financial is the world's simplest patient financing solution. Higher approval rates, transparent loan terms, fast & easy setup. 60-second patient applications and instant approvals. 

See why thousands of health & wellness practices around the U.S. and Canada choose Scratch as their friendly financing provider. Become a partner in minutes!

• Own the lending product lifecycle from origination through underwriting and servicing
• Assist with strategy, roadmap, and execution for point-of-sale lending, BNPL, installment plans, credit decisioning, application flows, servicing tools, and new offerings
• Manage relationships with sponsor bank partners and the loan management software provider
• Own and evolve partner API solutions, including credit bureau and alternative data integrations
• Own customer-facing application and borrower servicing tools
• Partner with data science and risk teams to build cashflow underwriting tools and credit risk models
• Collaborate with Agile engineers, QA, and design to define requirements, prototype lending flows, and ship features
• Drive A/B testing and experimentation across underwriting, application, and servicing experiences
• Maintain product requirements, underwriting logic, and decisioning documentation
• Collaborate with legal, compliance, and operations on regulatory requirements
• Make data-driven lending product decisions using internal performance data and external benchmarks

Senior Product Manager, Lending

Senior Product Manager owning Scratch’s fair, transparent medical lending products. Shaping underwriting, credit decisioning, servicing, APIs, and experimentation for veterinary financing.

full-stack-engineer

• Architect, discuss, design, and implement systems within the Scratch ecosystem, including application processes, risk assessments, payment processing, public-facing APIs, and event-based integrations
• Write clean, maintainable code across backend services and frontend components supporting the lending business and third-party integrations
• Improve overall quality and test coverage through end-to-end testing
• Grow and improve Continuous Integration and Continuous Delivery pipelines
• Participate in daily stand-ups, sprint planning, code reviews, and agile team collaboration
• Surface potential blockers and architectural issues
• Own incident response and debugging for personal code and shared services
• Participate in post-mortem reviews
• Stay current on best practices and industry trends
• Translate product requirements into implementation plans and working code
• Leverage automated test coverage and AI-assisted development

Senior Fullstack Developer, Originations

Senior Full Stack Developer building lending technology for Scratch, a fintech financing veterinary care. Developing Node.js, TypeScript, React, APIs, payment systems, and risk-assessment solutions.

Scratch Financial is the world's simplest patient financing solution. Higher approval rates, transparent loan terms, fast & easy setup. 60-second patient applications and instant approvals. See why thousands of health & wellness practices around the U.S. and Canada choose Scratch as their friendly financing provider. Become a partner in minutes!

Scratch Financial

About the company

Open jobs

2 jobs found

Senior Product Manager, Lending

Scratch Financial

Senior Fullstack Developer, Originations

Scratch Financial