CFO

Scratch Financial • Pasadena, CA

9d • $300,000 - $400,000 • Remote

About The Position

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.

Requirements

• 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
• This is a player-coach role, and that won't change as we grow.
• 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.
• 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

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

Responsibilities

• 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
• 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

Benefits

• Meaningful equity participation with upside tied to the company’s long term growth
• Unlimited PTO
• Covered healthcare
• 401k match
• Cell plan reimbursement
• Monthly recognition opportunities
• Learning platforms and resources for all to keep growing
• Equity retention policy
• Generous parental leave

What This Job Offers

• Job Type: Full-time
• Career Level: Executive
• Education Level: No Education Listed