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About the role

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

Responsibilities

  • 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

Requirements

  • Deep knowledge of consumer lending, including underwriting, credit decisioning, loan origination, servicing, collections, and regulations
  • Experience operating and navigating sponsor-bank partnership models
  • Experience with partner APIs for B2B client relationships
  • Familiarity with data ingestion and advanced model scoring for underwriting and credit risk
  • Experience with credit bureaus such as Experian, Equifax, or TransUnion, or alternative data sources such as cashflow underwriting
  • Hands-on experience running A/B tests to optimize underwriting and product outcomes
  • Comfort prototyping and iterating quickly with design and engineering
  • Proven success working with cross-functional Agile teams, including risk, compliance, and data science
  • Strong documentation and stakeholder communication skills
  • Veterinary, healthcare, or care-adjacent industry experience is a bonus

Benefits

  • Equity
  • Flexible remote-friendly work arrangement
  • Hybrid office option in Pasadena
  • Unlimited PTO
  • Covered healthcare
  • 401k match
  • Cell plan reimbursement
  • Monthly recognition opportunities
  • Learning platforms and resources
  • Equity retention policy
  • Generous parental leave

Job type

Full Time

Experience level

Senior

Salary

$150,000 - $175,000 per year

Degree requirement

No Education Requirement

Location requirements

RemoteUnited States

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