Chief Financial Officer

About this position

Who We Are

Scratch Financial (Scratch) is a late stage venture-backed financial technology business based in Pasadena, California. At Scratch, everything starts and ends with our mission: being the payment partner of choice for veterinary practices and helping pet parents access the care their animals need without financial barriers. Driven by our award-winning technology, Scratch has become the fastest growing financing provider in veterinary care, with a partner network of 15000+ practices across the US and Canada.

Scratch has two main products:

• Scratch Pay
  :
  Point-of-sale client-facing lending, including a BNPL offering and longer-term payment plans.
• Scratch Checkout
  :
  Payment processing that is integrated with veterinary practice management software.

We are a company built on the foundation of transforming the way pet healthcare payments are done, and we are looking for innovators who share our commitment to shaping the future of veterinary care financing. If putting compassion first, helping tell the story of groundbreaking products and continuously learning & refining to achieve exceptional outcomes sounds like you, then we encourage you to apply.

We’re looking for a CFO who has been here before — someone who has managed complex lending facilities, built relationships with debt capital providers, and guided a company through a significant exit. This isn’t a role for someone looking to learn what a credit facility is or experience their first M&A process. We need a seasoned operator who can hit the ground running, earn the trust of our board and investors quickly, and build the financial infrastructure to support the next chapter of Scratch’s growth.

You’ll report directly to the CEO and lead a team of five across FP&A, accounting, and finance operations. You’ll be a key voice in company strategy and the primary financial partner to the executive team, board, and external capital providers.

Capital Strategy & Debt Facility Management

Own all relationships with debt capital providers — warehouse lenders, forward flow partners, and other structured finance counter parties. Manage covenant compliance, borrowing base reporting, and facility utilization across existing lending facilities. Lead negotiations for new or expanded credit facilities as the portfolio grows. Develop and maintain the capital plan, ensuring the business has adequate liquidity to fund origination volume at target economics.

Exit Readiness & Strategic Finance

Serve as the company’s primary financial lead on any M&A, recapitalization, or exit process. Maintain financial reporting, data room materials, and management presentations in a state of ongoing readiness. Build and maintain the financial model used for board reporting, investor updates, and transaction diligence. Partner with the CEO and board to evaluate strategic alternatives and assess transaction structure.

FP&A

Own the annual budget and quarterly forecast process, with clear accountability from business unit owners. Partner closely with the commercial team on revenue forecasting, pipeline modeling, and GTM investment decisions. Work alongside the SVP of Product to build rigorous ROI frameworks for new product line development and technology investments — ensuring capital is allocated to the highest-value opportunities. Partner with the CEO to maintain the company’s OKR framework, ensuring KPIs have clear definitions, measurable targets, and accountability from business unit owners.

Financial Reporting & Compliance

Own the integrity of monthly, quarterly, and annual financial statements across GAAP reporting, lender compliance, and management reporting. Build and improve financial controls, accounting policies, and operational finance processes. Manage relationships with external auditors and tax advisors. Oversee tax, audit, and regulatory financial reporting.

Investor & Board Relations

Serve as primary financial point of contact for existing equity investors and board members. Own board meeting materials, investor updates, and financial narrative. Build relationships with prospective strategic and financial acquirers as…