VP of Credit Risk

Scratch Financial

VP of Credit Risk overseeing credit strategy and portfolio performance for Scratch Pay. Leading underwriting and collections strategy while building a high-performing credit risk team.

Posted 6/23/2026full-timePasadena • California • 🇺🇸 United StatesLead💰 $250,000 - $275,000 per yearWebsite

About the role

Key responsibilities & impact

Own the credit strategy behind every lending decision at Scratch Pay
Lead scoring models and policy layers, manage portfolio performance
Set and execute strategy for underwriting, collections, and loan performance
Partner closely with the SVP of Product on lending product improvements
Lead a lean but high-performing credit risk team
Identify AI-powered tools for operational efficiency

Requirements

What you’ll need

Experience as a P&L owner at a consumer lending company
Deep, hands-on credit underwriting experience
Proven track record building unsecured personal / consumer loan credit models
Experience managing analysts and developing talent
Strong AI aptitude
Deep fluency in credit risk concepts
Comfort working across functions
Strong communicator for non-technical stakeholders
Knowledge of consumer lending regulation
Deep fluency with major credit bureaus and alternative data sources

Benefits

Comp & perks

Unlimited PTO
Covered healthcare
401k match
Cell plan reimbursement
Monthly recognition opportunities
Learning platforms and resources
Equity retention policy
Generous parental leave

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit underwritingcredit modelsportfolio performance managementAI-powered toolsconsumer lending regulationcredit risk conceptsdata analysisanalytical skillsP&L managementloan performance

Soft Skills

leadershipcommunicationtalent developmentcross-functional collaborationstrategic thinkingproblem-solvingteam managementoperational efficiencystakeholder engagementperformance management