Senior Product Manager, Lending

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🔥 0 minutes ago

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

💵 $150k - $175k / year

⏰ Full Time

🟠 Senior

✅ Product Manager

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Scratch Financial

WebsiteLinkedInAll Job Openings

11 - 50 employees

🏥 Healthcare

🛡️ Insurance

💸 Finance

Healthcare • Insurance • Finance

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.

📋 Description

• 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