Chief Financial Officer

Who We Are

Scratch Financial (“Scratch”) is a late stage venture-backed financial technology business based in Pasadena, California. 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. With a partner network of over 15,000 practices across the U.S. and Canada, Scratch has become the fastest growing financing provider in veterinary care.

We are 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 is a seasoned operator role, not a junior learning opportunity. The successful candidate will join the executive team, earn the trust of our board and investors quickly, and build the financial infrastructure to support Scratch’s next chapter of growth.

• 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 adequate liquidity to fund origination volume at target economics

• 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

• 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

• 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

• 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 part of ongoing exit readiness
• Manage the annual audit process and relationships with external auditors

• Directly manage a team of 5 spanning FP&A, accounting, and finance operations
• Set clear expectations, develop team members’ skills, and build a high‑trust, high‑output culture
• Identify gaps and make strategic hires as the company scales
• Be a resource to the team on complex accounting, modeling, and process questions

• Direct, hands‑on experience managing lending facilities and debt capital relationships – negotiated term sheets, managed covenants, and worked through facility amendments
• Experience leading or co‑leading a $100M+ exit process (M&A, acquisition, or recapitalization), with $200M+ strongly preferred
• Track record of building or materially improving financial infrastructure at a growth‑stage company
• Strong communicator who can translate complex financial concepts for board members, debt investors, and internal non‑finance stakeholders
• Experience managing a finance team, with a…