About Scratch
Scratch’s mission is to build a repayment platform to change the way consumers experience debt. Most of us take on debt to help us get ahead, or in many cases, to not fall behind. But for most of us—-despite its necessity—-once we have debt, it doesn’t play a healthy role in our lives. It can be hard to understand, difficult to manage, and unaccommodating to changes in our lives.
This is why we started Scratch. We wanted to reinvent the loan servicing industry, well—-from scratch. We wanted to create a world where debt plays a healthier and less taxing role in more people’s lives. By bringing world-class product and technical thinking to a multi-trillion industry that hasn’t seen innovation in well over two decades, Scratch’s platform empowers borrowers to have greater control, visibility and flexibility over their financial health, removing the traditional loan servicer from the equation altogether and bringing borrowers closer to their lenders.
Our team is rapidly growing and comes from diverse backgrounds including Dropbox, Pinterest, Prosper, Bloomberg and Ripple. Our office is based in San Francisco.
With a rapidly growing community of lenders and borrowers, we think it’s time the world knows there’s a better way to pay back their loans. We’d love for you to join in our mission and help play a role in changing the way we experience debt for the better!
Scratch’s backend presents many interesting challenges and opportunities for designing and architecting complex systems. You and your team will work on high-stakes engineering challenges that will shape the future of loan servicing and debt. What’s at stake? Scratch aims to be the source of truth for trillions of dollars. It’s crucial that our novel platform ensures accuracy and precision on non-trivial math down to seven decimal places with zero data loss or security compromises, resiliency to handle a large number of loans at scale as well as the flexibility to handle new and innovative financial instruments.
About the role:
- Architect core pieces of Scratch’s APIs and user experiences, optimizing for long-term maintainability, performance, and reliability.
- You will work across multiple personas: lenders, creditors, borrowers and internal users.
- Take full ownership and responsibility for building, shipping, and maintaining core Scratch APIs, end-to-end.
You may be a good fit if:
- 6+ years industry experience.
- You have experience leading engineering projects.
- You enjoy being a generalist working on both the frontend, backend, and anything it takes to solve problems and delight users both internally and externally.
- You have a strong background in computer science.
We want you!
If you made it this far, chances are you’re as excited about working to change how people experience debt as we are—-and we love that. Please apply even if you’re unsure about whether you meet every single requirement in this posting. Scratch is looking for smart, intellectually curious people who are invested in our mission, not just those who can “check all the boxes”.
Benefits we Provide:
- Health insurance: We cover 99% of your healthcare premiums and 70% of your dependent’s premiums and offer competitive medical, dental, and vision insurance plans.
- Learning and development stipend: We offer a $1,500 per year stipend for your personal career development!
- Wellness benefit: We’re proud to provide employees a $100/month pre-tax credit towards any gym or fitness program.
- Catered lunches and snacks: We have high-quality catered lunches every day and well-stocked kitchens.
- Generous PTO (including your birthday!), sick leave, and parental leave
- 401k program: We offer a 401k program!
- Additional benefits: We offer each employee the opportunity to enroll in pre-tax benefits, such as commuter benefits and an FSA account.
Top Skills
What We Do
Scratch's mission is to build a repayment platform to change the way consumers experience debt. Most of us take on debt to help us get ahead, or in many cases, to not fall behind. But for most of us—despite its necessity—once we have debt, it doesn't play a healthy role in our lives. It can be hard to understand, difficult to manage, and unaccommodating to changes in our lives.
This is why we started Scratch. We wanted to reinvent the loan servicing industry, well—from scratch. We wanted to create a world where debt plays a healthier and less taxing role in more people's lives. By bringing world-class product and technical thinking to a multi-trillion industry that hasn't seen innovation in well over two decades, Scratch's platform empowers borrowers to have greater control, visibility and flexibility over their financial health, removing the traditional loan servicer from the equation altogether and bringing borrowers closer to their lenders.
Our team is rapidly growing and comes from diverse backgrounds including Dropbox, Pinterest, Prosper, Bloomberg and Ripple. Our office is based in San Francisco.
With a rapidly growing community of lenders and borrowers, we think it's time the world knows there's a better way to pay back their loans. We'd love for you to join in our mission and help play a role in changing the way we experience debt for the better!
