Cut the finger tip pad off my finger, can it heal properly without stitches?

Not liely. If totally severed it may be saved if quickly reattached. If partial, hold the tip to the pad with direct light pressure and go to er if totally severed and hours passed, it will scar over time or need to, be approximated sorry.
Bleeding. The main purpose of stitches is to stop bleeding and secondarily to approximate tissue to heal and avoid infection. Most wounds will heal on thir own. Will they leave a scar or become infected depends on the specifics of the wound.