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Done With Debt Jobs in California (NOW HIRING)

Scratch Financial

Chief Financial Officer

Pasadena, CA · On-site

... done, and we are looking for innovators who share our commitment to shaping the future of ... Own all relationships with debt capital providers - warehouse lenders, forward flow partners, and ...

Rainbow Shops

Assistant Manager/Co-Manager

Oakland, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Rainbow Shops

Assistant Manager/Co-Manager

Vallejo, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Rainbow Shops

Assistant Manager/Co-Manager

Vallejo, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Rainbow Shops

Assistant Manager/Co-Manager

Stockton, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Rainbow Shops

Assistant Manager/Co-Manager

Oakland, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Rainbow Shops

Assistant Manager/Co-Manager

Oakland, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Rainbow Shops

Assistant Manager/Co-Manager

Stockton, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Rainbow Shops

Assistant Manager/Co-Manager

Stockton, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Rainbow Shops

Assistant Manager/Co-Manager

Los Angeles, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Rainbow Shops

Assistant Manager/Co-Manager

Sacramento, CA · On-site

$16 - $19/hr

... done with client top of mind. 2 years previous management experience in a women's apparel specialty store is required. Skills Required: • Excellent ability to train and motivate staff • Able to ...

Mosaic.tech

Staff Software Engineer

Mountain View, CA · On-site

$150 - $226/hr

Identify technical debt & scaling issues in the basecode and drive improvement * Works alongside ... Entrepreneurial spirit, priding yourself on getting things done with a high level of quality

Harness

Staff Software Engineer

Mountain View, CA

Identifies the technical debt & scaling issues in the basecode and drives the improvement * Works ... Entrepreneurial spirit, priding yourself on getting things done with a high level of quality

Abbott

Director, Clinical Research (Lingo)

Alameda, CA · On-site

... plan with high employer contribution * Tuition reimbursement, the Freedom 2 Save student debt ... done with external partners to evaluate safety and efficacy. This position will be required to ...

Menlo Ventures

Staff Software Engineer

Mountain View, CA · On-site

$175 - $215/hr

Identifies the technical debt & scaling issues in the basecode and drives the improvement * Works ... Entrepreneurial spirit, priding yourself on getting things done with a high level of quality

Abbott

Director, Clinical Research (Lingo)

Alameda, CA · On-site

... plan with high employer contribution * Tuition reimbursement, the Freedom 2 Save student debt ... done with external partners to evaluate safety and efficacy. This position will be required to ...

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All JobsDone With Debt JobsDone With Debt Jobs in California

Done With Debt information

What does a Done with Debt specialist do?

A Done With Debt specialist helps individuals and families manage, reduce, or eliminate their debt through personalized financial plans and debt relief strategies. They assess a client's overall financial situation, negotiate with creditors, and guide clients through various options such as debt consolidation, settlement, or repayment programs. Their goal is to support clients in becoming debt-free and achieving long-term financial stability, often providing education on budgeting and financial management along the way.

What are the key skills and qualifications needed to thrive as a debt counselor, and why are they important?

To thrive as a Debt Counselor, you need a solid understanding of personal finance, debt management strategies, and typically a certification in credit counseling or financial education. Familiarity with financial analysis software, budgeting tools, and debt management systems is often required. Strong interpersonal skills, empathy, and the ability to communicate complex financial concepts clearly help build trust with clients. These skills are essential for providing effective guidance, empowering clients to achieve financial stability, and ensuring compliance with industry regulations.

What are some common challenges faced by debt counselors when helping clients manage and pay off debt?

Debt Counselors often encounter clients who are experiencing significant financial stress, which can make communication and trust-building challenging. It's common to navigate complex situations where clients have multiple types of debt, varying creditors, and inconsistent income. Counselors need strong problem-solving skills to create realistic repayment plans and advocate on behalf of clients with creditors. Additionally, staying updated on regulations and debt relief options is crucial to providing accurate advice. Team collaboration with financial advisors and legal professionals is also essential to support clients effectively.

What is the difference between Done With Debt vs Debt Counselor?

AspectDone With DebtDebt Counselor
CredentialsTypically no formal credentials requiredOften certified or licensed (e.g., NFCC, AIC)
Work EnvironmentPrimarily remote or online platformsIn-person or remote client meetings
Industry UsageDebt relief and consolidation servicesFinancial counseling and debt management
Search IntentDebt relief solutionsFinancial advice and debt management

Done With Debt focuses on debt relief services, helping clients consolidate or eliminate debt, often through online platforms. Debt Counselors provide personalized financial advice, budgeting, and debt management plans, often requiring certifications. While both roles assist with debt issues, Done With Debt emphasizes debt relief programs, whereas Debt Counselors focus on financial education and long-term debt management strategies.

What are popular job titles related to Done With Debt jobs in California?

For Done With Debt jobs in California, the most frequently searched job titles are:

What job categories do people searching Done With Debt jobs in California look for?

The top searched job categories for Done With Debt jobs in California are:

What cities in California are hiring for Done With Debt jobs?

Cities in California with the most Done With Debt job openings:

Done With Debt jobs near you

Chief Financial Officer

Pasadena, CA • On-site

Scratch Financial
51 - 200 employees
Learn more about Scratch Financialexternal

Full-time

Medical, Retirement, PTO

Re-posted 15 days ago

Job description

Who We Are
Scratch Financial ("Scratch") is a late stage venture-backed financial technology business based in Pasadena, 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 client facing lending, including a BNPL offering and longer-term payment plans
  2. Scratch Checkout: Payment processing that is 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 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

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.

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