Remote-Eligible Senior Credit Risk & AI Analytics Lead

Scratch Financial; United States; Remote; USD 130,000 - 170,000; Full time

Benefits offered by this job

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 in Pasadena, CA is seeking a Credit Risk Manager to own underwriting strategy, loss mitigation and collections across the consumer lending lifecycle. You will turn data into critical decisions and collaborate with Product, Engineering and Marketing to optimize approvals, performance and the borrower experience.

This hands-on role offers real ownership and the opportunity to shape risk policy and AI-enabled analytics across the team.

Qualifications

• Bachelor’s degree in a quantitative field (Statistics, Economics, Math, Engineering, Finance).
• 3+ years in consumer lending credit risk or analytics at a bank or fintech (underwriting, credit strategy, or loss mitigation/collections).
• Hands-on experience across the credit strategy lifecycle: analysis, strategy design, test design, implementation validation and post-implementation monitoring.
• Strong SQL and Python; comfortable with large loan-level and credit bureau datasets.
• Real enthusiasm for using AI tools to accelerate your work, and the judgment to verify what they produce.
• A critical thinker who works autonomously, structures ambiguous problems and drives them to a decision.
• Clear, concise communicator with senior stakeholders
• Team player with a great attitude, an ownership mindset and a bias for getting things done

Responsibilities

• Own analyses that shape underwriting strategy: find approval and loss opportunities, size the trade-offs, and recommend policy changes
• Diagnose the drivers of credit performance (delinquency, roll rates, losses) and turn them into clear actions
• Improve our loss mitigation, collections and recovery strategies, including designing and reading champion/challenger tests
• Analyze how our application and checkout experience affects the originations funnel, and partner with Product to improve it
• Contribute to underwriting model improvements and help build new models, from data prep through validation and monitoring
• Build repeatable, AI‑assisted workflows that make the team faster and our analysis more reliable
• Communicate findings to executives and to our bank and capital partners in clear, concise recommendations

Skills

SQL

Python

AI tools

Analytical mindset

Stakeholder communication

Education

Bachelor’s degree in a quantitative field

Tools

Credit bureau data

Job description

Scratch Financial in Pasadena, CA is seeking a Credit Risk Manager to own underwriting strategy, loss mitigation and collections across the consumer lending lifecycle. You will turn data into critical decisions and collaborate with Product, Engineering and Marketing to optimize approvals, performance and the borrower experience.

This hands-on role offers real ownership and the opportunity to shape risk policy and AI-enabled analytics across the team.