Sr. Product Manager, Payments

About Scratch
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 products:

Scratch Pay: Point-of-sale lending, including a BNPL offering and longer-term payment plans

Scratch Checkout: Payment processing that is integrated with the veterinary practice management software

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.
About the role
As 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 do

• Lead the strategy, roadmap, and execution of payment features including:
• • Terminal POS devices
  • Online checkout flows
  • Text and email to pay
  • eWallet integrations (Apple Pay, Google Pay)
  • Check capture & processing
  • Feature flag management across payment environments
• Collaborate with an Agile pod of engineers, QA, and design to define product requirements and ship features on time
• Work closely with the B2B dashboarding team to empower veterinary practices with self-service tools, performance insights, and granular controls
• Help shape B2C (B2X) servicing tools for pet parents, including transaction visibility and flexible payment options
• Collaborate with support, compliance, and operations to ensure payment reliability and regulatory readiness
• Act as the SME for all things payments, making data-driven decisions using both internal and external sources

What we are looking for

• Deep 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 more
• Past ownership of terminal and online POS systems and/or omnichannel payments
• Proven success working with cross-functional agile teams
• Strong documentation and stakeholder communication skills
• Big plus if you've worked in veterinary, healthcare, or care-adjacent industries

Why You'll Love Working Here

• Competitive base salary ranging from $145,000 - $165,000

Scratch is a remote-first company, giving ultimate flexibility to today's nomadic work style. For those who prefer a hybrid model, we do have an office space in Pasadena available for use (which is stocked with snacks & various beverages). 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, too!
How to Apply
Ready to join our team? To apply, please visit our Scratch Careers Page . Be sure to:

Submit your resume.

Answer the custom questions provided.

Feel free to add any additional information or documents you believe are relevant to your application.

We look forward to reviewing your application!
*Our team will ONLY contact you from the domains @scratchpay.com or @ats.rippling.com
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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.