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
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