Sr. Product Manager, Lending

Triwill Group; United States; Hybrid; USD 150,000 - 175,000; Full time

Benefits offered by this job

Remote-friendly

Hybrid work model

Equity

Healthcare coverage

401k match

Cell plan reimbursement

Unlimited PTO

Learning platforms

Job summary

Scratch is seeking a Sr. Product Manager for Lending to own the end-to-end lending experience, from origination through underwriting and servicing.

You’ll set the strategy and roadmap for how we extend fair, affordable credit to pet parents, working closely with engineering, design, risk, credit, finance, servicing, compliance, and sponsor bank partners to build lending experiences that are fast, transparent, and responsible.

Qualifications

• Deep knowledge of consumer lending across origination, underwriting, servicing and regulatory needs.
• Experience with sponsor-bank partnership models and external data sources.
• Strong documentation and stakeholder communication skills.

Responsibilities

• Own end-to-end lending product from origination to servicing.
• Define strategy and roadmap for fair, affordable credit.
• Collaborate with engineering, design, risk, credit and compliance.
• Manage partner API solutions and underwriting tools.
• Lead experimentation and A/B testing of lending criteria.

Skills

Lending product ownership

Credit decisioning

A/B testing

Cross-functional collaboration

API integrations

Job description

Description: About the roleAs Sr. Product Manager for Lending, you'll have end-to-end ownership of Scratch's lending products, from origination through underwriting and servicing. You'll set the strategy and roadmap for how we extend fair, affordable credit to pet parents, working closely with engineering, design, risk, credit, finance, servicing, compliance, and our sponsor bank partners to build lending experiences that are fast, transparent, and responsible.

What you'll do

• Point-of-sale lending and BNPL offerings
• Longer-term installment and payment plans
• Credit decisioning and application flows
• Loan servicing and account management tools
• Feature flag management across lending environments
• Creation of new offerings such as wellness and/or subscription services
• Manage and grow relationships with sponsor bank partners as well as our loan management software provider, ensuring product decisions align with partnership agreements, risk appetite, and regulatory requirements
• Own and evolve partner API solutions, including integrations with credit bureaus and alternative data providers for underwriting and risk model scoring
• Own and evolve customer facing tools such as the application funnel and borrower servicing portal
• Partner with data science and risk teams to build and refine cashflow underwriting tools and credit risk models that improve approval rates while managing loss exposure
• Collaborate with an Agile pod of engineers, QA, and design to define product requirements, prototype new lending flows, and ship features on time
• Drive a rigorous testing and experimentation practice, including A/B testing of underwriting criteria, application flows, and servicing experiences
• Own clear, thorough documentation of product requirements, underwriting logic, and decisioning rules for cross‑functional and regulatory audiences
• Collaborate with legal, compliance, and operations to ensure lending products meet all applicable regulatory requirements (e.g., state lending laws, TILA/Reg Z, fair lending)
• Act as the product alpha for all things lending, making data‑driven decisions using both internal performance data and external benchmarks

What we are looking for

• Deep knowledge of consumer lending: underwriting, credit decisioning, loan origination, servicing, collections, and the regulatory landscape (state lending laws, TILA/Reg Z, fair lending, etc.)
• Experience operating and navigating sponsor‑bank partnership models
• Experience with partner APIs to facilitate b2b client relationships
• Familiarity with data ingestion and advanced model scoring, ideally related to underwriting and credit risk model scoring using credit bureau (e.g., Experian, Equifax, TransUnion) or alternative data sources (e.g. cashflow underwriting)
• Strong experimentation muscle, including hands‑on experience running A/B tests to optimize underwriting and product outcomes
• Comfort with prototyping and iterating quickly with design and engineering to test new lending concepts
• Proven success working with cross‑functional agile teams, including risk, compliance, and data science
• Strong documentation and stakeholder communication skills—be the alpha and the translator
• Bonus points if you've worked in veterinary, healthcare, or care‑adjacent industries

Why You'll Love Working Here

• Competitive base salary ranging from $150,000 - $175,000 + equity
• Remote‑friendly company, offering hybrid model with office space in Pasadena stocked with snacks & beverages
• Unlimited PTO
• Covered healthcare
• 401k match
• Cell plan reimbursement
• Monthly recognition opportunities
• Learning platforms and resources for ongoing growth
• Equity retention policy ensuring growth alongside company growth
• Generous parental leave

Scratch is committed to diversity in its workforce and is proud to be an equal opportunity employer. Scratch considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.