Chief Financial Officer

Position Overview
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 5 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.

What You'll Own
Capital Strategy & Debt Facility Management

Own all relationships with debt capital providers — warehouse lenders, forward flow partners, and other structured finance counterparties
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 part of ongoing exit readiness
Manage the annual audit process and relationships with external auditors
Team Leadership

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

What We Are Looking For
Must-Haves

Direct, hands-on experience managing lending facilities and debt capital relationships — you've negotiated term sheets, managed covenants, and worked through facility amendments; you can speak to the details
Experience leading or co-leading a $100M+ exit process (M&A, acquisition, or recapitalization), with $200M+ strongly preferred — you know what diligence feels like from the inside and have the scars to prove it
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 alike
Experience managing a finance team, with a demonstrated ability to develop people and hold a high bar for output

Nice-to-Haves

Background in consumer lending, fintech, or marketplace lending
Experience with structured finance, securitization, or forward flow agreement negotiation
CPA, CFA, or investment banking background
Familiarity with the regulatory reporting requirements of a licensed lender
Experience working with PE- or VC-backed boards
What Success Looks Like in Year One

Existing debt facilities are well-managed, covenant compliance is clean, and you've established strong working relationships with all capital providers
The board and investors have confidence in the accuracy and clarity of financial reporting
The company is exit-ready: financial model is current, data room is organized, and management narrative is crisp
FP&A and close processes run on time with minimal fire drills
Your team of 5 is stronger, more capable, and better coordinated than when you arrived

This Role Isn't for Everyone

We want to be upfront: this is a player-coach role, and that won't change as we grow. We're a lean team, and the CFO we're looking for is someone who is as comfortable building a debt facility model or reconciling a borrowing base certificate on a Wednesday afternoon as they are presenting to the board on Thursday morning.

Specifically, this probably isn't the right role if you:

Prefer to review work rather than do it, and see hands-on finance tasks as below your level
Need a fully built-out team and established processes before you can be productive
Are more comfortable in large-company finance environments where specialization is the norm
Measure your impact primarily by the size of your org chart
If that sounds limiting, it should — we're being intentional about it. If it sounds like exactly what you're looking for, we'd love to talk.

Why You'll Love Working Here
The anticipated base salary range for this position is $300,000 to $400,000. The final salary offered to a successful candidate will be dependent on several factors that may include, but are not limited to; the type and length of experience within the job, type and length of experience within the industry, the type and length of knowledge and skills for the position, education, training, etc. Scratch is a multi-state employer and final compensation within this range could be impacted by work location. Please note that the compensation details listed in US role postings reflect the base salary only, and do not include bonus, equity, or benefits.
Meaningful equity participation with upside tied to the company’s long term growth