Lead Credit Risk Analyst

Toast

5d•$82,000 - $168,000•Hybrid

About The Position

We are a rapidly growing company that’s revolutionizing the way the restaurant industry does business by pairing technology with an extraordinary commitment to customer success. We help restaurants streamline operations, increase revenue, and deliver amazing guest experiences through our platform that combines restaurant point of sale, guest-facing technology, and award-winning customer support. Join us as we empower the restaurant community to delight guests, do what they love, and thrive. Toast Capital provides fast, flexible funding to restaurants on the Toast platform, using Toast’s rich operational and transaction data to deliver financing aligned with how restaurants actually run. As Toast Capital scales, we are modernizing credit risk through better analytics, automation, and AI-enabled workflows. The Fintech Risk team drives risk informed growth for Toast’s rapidly expanding Fintech business. We are seeking a Lead Credit Risk Strategist focused on the acquisition space. You will analyze customer characteristics, identify risk differentiators, and recommend underwriting strategies that meet our risk and return goals and you will build the AI-enabled tooling that lets a small team run that strategy at scale. If you have an analytic and data driven mindset, an eye for detail, curiosity about AI and automation, and a can-do attitude, this role is for you.

Requirements

5+ years in retail/consumer/SMB credit risk or strategy, preferably in fintech or banking
Past experience in growing a lending business and hands on experience in credit strategy is required
Ability and experience in writing credit memos and credit decision and strategy documentation
Experience applying AI or LLM tools to improve analytical workflows, operational processes, or decision support
Advanced SQL and Python/R, with Looker/Tableau/Hex or similar; familiarity with statistical modeling and A/B testing
Working knowledge of model governance, explainability and fair lending in automated credit decisioning
Masters Degree or higher in a quantitative field (Mathematics/Statistics/Economics/OR/Business)
Ability to influence a cross-functional, non-hierarchical environment to drive progress across Risk, Engineering, Data Science and Product

Responsibilities

Work with the leadership team to develop and refine credit risk strategy for new and existing lending products
Identify risk drivers and recommend policy changes that balance risk and growth
Partner with Data Science to build, test and monitor credit risk and decision models
Perform portfolio analysis to monitor credit performance, emerging trends, and opportunities to expand or tighten strategy
Design and execute A/B tests and champion-challenger experiments for policy, pricing and strategy changes
Support risk based pricing and profitability analysis to improve risk-return outcomes
Build AI-enabled workflows and copilots that automate recurring analysis, summarize merchant performance, and surface risk signals, anchored to deterministic metrics with human oversight on every decision
Collaborate with R+D, Product, Engineering, Data Science and Operations to launch new products, features, and AI-enabled workflows