AI-Driven Credit Risk Manager

Scratchpay; United States; Hybrid; USD 130,000 - 170,000; Full time

Benefits offered by this job

Equity

Unlimited PTO

Healthcare

401(k) matching

Cell plan reimbursement

Monthly recognition opportunities

Continuous learning resources

Equity retention program

Generous parental leave

Job summary

Scratch Financial is hiring a Credit Risk Manager in Pasadena, CA to own high‑impact analyses across the consumer lending lifecycle, from approvals to losses and collections. You’ll leverage data, SQL, Python, and AI tools to shape underwriting strategy and risk policies, working with Product, Engineering, Finance, and Marketing.

This is a hands‑on IC role with broad scope and ownership. You'll collaborate with senior stakeholders and our VP of Credit Risk to optimize the funnel, improve loss

Qualifications

• Bachelor's degree in a quantitative field
• 3+ years in consumer lending credit risk or analytics at a bank or fintech
• Hands-on experience across the credit strategy lifecycle: analysis, design, test design, validation and monitoring
• Strong SQL and Python; comfortable with large loan-level and credit bureau datasets
• Experience using AI tools to accelerate work and verify outputs
• Autonomous worker who structures ambiguous problems and drives to a decision
• Clear, concise communicator with senior stakeholders
• Team player with ownership mindset and bias for action

Responsibilities

• Own analyses that shape underwriting strategy and policy changes
• Diagnose drivers of credit performance and translate into actions
• Improve loss mitigation, collections and recovery strategies
• Analyze how application and checkout experience affects originations funnel
• Contribute to underwriting model improvements from data prep to monitoring
• Build repeatable, AI-assisted workflows to speed analysis
• Communicate findings to executives and bank/capital partners

Skills

SQL

Python

AI tools

Data analysis

Executive communication

Autonomy

Stakeholder management

Education

Bachelor's degree in a quantitative field

Job description

Scratch Financial is hiring a Credit Risk Manager in Pasadena, CA to own high‑impact analyses across the consumer lending lifecycle, from approvals to losses and collections. You’ll leverage data, SQL, Python, and AI tools to shape underwriting strategy and risk policies, working with Product, Engineering, Finance, and Marketing.

This is a hands‑on IC role with broad scope and ownership. You'll collaborate with senior stakeholders and our VP of Credit Risk to optimize the funnel, improve loss