Sr. Product Manager, Payments

Scratch Financial (“Scratch”) is a Series C financial technology startup based in Los Angeles, California. Our goal is to make difficult financial decisions simple and increase accessibility to fair, affordable, and transparent medical financing.Driven by our award-winning technology, Scratch has become the fastest growing financing provider in veterinary care, with a partner network of 15,000+ practices across the U.S. and Canada.Scratch Has 2 Main ProductsScratch Pay: Point-of-sale lending, including a BNPL offering and longer-term payment plansScratch Checkout: Payment processing that is integrated with the veterinary practice management softwareIf 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.About The RoleAs a Senior Product Manager in Payments, you’ll have end-to-end ownership of features across Point-of-Sale (POS), online, mobile, and embedded payment channels. You’ll work closely with engineering, design, business stakeholders, and partners to deliver frictionless payment experiences for veterinary practices and pet parents.What You'll DoLead the strategy, roadmap, and execution of payment features including:Terminal POS devicesOnline checkout flowsText and email to payeWallet integrations (Apple Pay, Google Pay)Check capture & processingFeature flag management across payment environmentsCollaborate with an Agile pod of engineers, QA, and design to define product requirements and ship features on timeWork closely with the B2B dashboarding team to empower veterinary practices with self-service tools, performance insights, and granular controlsHelp shape B2C (B2X) servicing tools for pet parents, including transaction visibility and flexible payment optionsCollaborate with support, compliance, and operations to ensure payment reliability and regulatory readinessAct as the SME for all things payments, making data-driven decisions using both internal and external sourcesWhat We Are Looking ForDeep knowledge of payments: ACH, card networks, settlement flows, authorization retries, declines, reconciliation, fees, etc.Experience with payment gateway APIs and integrating 3rd-party processors (e.g., Stripe, Adyen, Square)Familiarity with feature flagging, risk scoring, 3D Secure, fraud tools, and morePast ownership of terminal and online POS systems and/or omnichannel paymentsProven success working with cross-functional agile teamsStrong documentation and stakeholder communication skillsBig plus if you’ve worked in veterinary, healthcare, or care-adjacent industriesWhy You'll Love Working HereCompetitive base salary ranging from $145,000 - $165,000Scratch is a remote-first company, giving ultimate flexibility to today's nomadic work style.We offer unlimited PTO, covered healthcare, 401k match, cell plan reimbursement, and monthly recognition opportunities.We also provide learning platforms and resources for all to keep growing.Not only that, but we have an equity retention policy to ensure you grow as the company grows financially, as well.And if your family is growing, we offer generous parental leave, tooHow To ApplySubmit your resume.Answer the custom questions provided.Feel free to add any additional information or documents you believe are relevant to your application.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. #J-18808-Ljbffr