Operations Specialist

### **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! Our team is highly collaborative and works from our SF office 3 days per week - please note that this role requires a **hybrid** work model. ### ​ ### **About the role:** We’re looking for someone to join our team to own the development and optimization of vital operational processes, with a goal of identifying opportunities and spearheading efforts for product and feature development. You’ll work closely with other members of our operations teams to identify process improvements and help fill gaps with your know-how and expertise. With our growing array of loan products, you’ll learn new product nuances and help build out new processes to eventually work with our engineering team to develop tools to automate and optimize. You will: - Identify potential opportunities for improvement and craft frameworks, solutions, and recommendations that address the most impactful challenges - Develop feedback loops with our operations teams to improve internal processes and tooling - Confidently support our borrower operations team in handling detailed loan-level research items  ### ​ ### **You may be a good fit if:** - You have 3-5 years of operations experience  - You love learning and have the ability to pick up new skills quickly (we are patient teachers!) - You have experience working in fast-paced environments  - You have working knowledge of Excel/Google Sheets, Looker, and workflow management tools like JIRA - You approach problem solving with curiosity and a desire to grow and learn - You have experience in the lending space, though this isn't required ### ​ ### **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.