Sr. Fullstack Developer, Originations

Who We Are

**Scratch Financial (“Scratch”) is a Series C financial technology startup based in Los Angeles, California. At Scratch, 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. 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:

1. **Scratch Pay: Point-of-sale lending, including a buy now, pay later (BNPL) offering and longer-term payment plans
2. **Scratch Checkout: Payment processing integrated with the veterinary practice management software

We are a company built on the foundation of transforming the way pet healthcare payments are done, and we are looking for innovators who share our commitment to shaping the future of veterinary care financing. 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.

**Position Overview

We’re looking for a **Senior Full Stack Developer to join our lending team. The ideal candidate will be well experienced in new product development and has a passion for creating new and innovative products and solutions that meet the client’s needs. The ideal candidate will also be someone that is innovative, open to change and strives to deliver high quality code in collaboration with their team. You will be responsible for designing and developing front end and back end web architecture, testing your solutions, and ensuring its ongoing responsiveness.

**What You'll Do

• Architect, discuss, design, implement systems within the Scratch ecosystem. From multi-step application processes, to backend risk assessments, payment processing, public facing API and event-based integrations. There is no limit to what the business needs, and there is no limit to how good our solutions can be, either user facing or backend tasks.
• Write clean, maintainable code across our backend services and frontend components, contributing directly to key projects that support the lending business and third-party integrations.
• Contribute to the overall quality and test coverage, ensuring all features are tested end-to-end.
• Grow and improve the Continuous Integration and Continuous Delivery pipelines.
• Participate in daily stand-ups, sprint planning, and code reviews as a key member of the agile team, and proactively surface potential blockers or architectural issues.
• Take ownership of incident response and debugging for your code and shared services, and participate in post-mortem reviews.
• Stay current on best practices and industry trends, and bring a continuous improvement mindset to code quality, architecture, and team collaboration.
• Translate product requirements and specifications into implementation plans and working code, with a focus on high-quality development, automated test coverage and leveraging AI-assisted development.

**What We Are Looking For

• **Availability: we are accepting candidates from UTC-3 to UTC-8 timezones
• **Fluency in English is a must
• 5+ years of professional experience as a software engineer, with strong backend skills using **Node.js + TypeScript and experience developing **RESTful APIs.
• Frontend experience using **React, and proficiency with fundamental front end languages such as HTML, CSS and JavaScript.
• Practical knowledge of SQL and NoSQL Databases, like MySQL, PostegreSQL, Firestore, Redis etc.
• Experience working in **domain-based monorepos that house and independently deploy multiple backend services.
• Familiarity with cloud infrastructure best practices (CI/CD, Docker, Kubernetes are a plus).
• Ability to switch between languages and frameworks
• Familiarity with Agile and Scrum processes
• Comfortable navigating a fast-paced startup environment and collaborating cross-functionally with product and engineering stakeholders.
• Excellent problem-solving skills, clear communication, and a proactive attitude toward taking initiative and delivering results.

**Nice to Have

• Knowledge of Google Cloud Platform, CI/CD, Kubernetes, and Docker.
• Experience in PHP and/or Golang
• Experience in risk modeling and underwriting processes
• Experience in building payment processing solutions.
• Experience in ML models.
• Experience in QA tooling, like Playwright, Cypress or Selenium

**Why You'll Love Working Here

• Competitive base salary ranging from USD $38 - $45/hour (location and experience dependent)

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:

1. Submit your resume.
2. Answer the custom questions provided.
3. 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 domain **@scratchpay.com or @ats.rippling.com

Our Commitment

We’re innovators who care deeply about the lives of pets, their owners, and veterinary professionals. We believe diversity strengthens our team and drives better solutions.

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.