Lead Credit Risk Analyst
Toast10d • $82,000 - $168,000 • Hybrid
Credit Risk Analyst Jobs
119 jobs found — updated daily
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Lead Credit Risk Analyst
Toast
•$82,000 - $168,000•Hybrid
About The Position
Toast is a technology company serving the restaurant industry with a platform that combines restaurant point of sale, guest-facing technology, and customer support. Toast Capital provides funding to restaurants on the Toast platform, using operational and transaction data to offer financing aligned with restaurant operations. The Fintech Risk team supports risk-informed growth and is modernizing credit risk with analytics, automation, and AI-enabled workflows. The role focuses on credit risk strategy for customer acquisition. The successful candidate will analyze customer characteristics, identify risk differentiators, and recommend underwriting strategies aligned with risk and return goals. They will also build AI-enabled tools that allow a small team to operate its strategy at scale, using deterministic metrics and human oversight for decisions.
Requirements
- At least 5 years of experience in retail, consumer, or SMB credit risk or strategy, preferably in fintech or banking.
- Past experience growing a lending business and hands-on experience in credit strategy.
- Ability and experience 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 or R skills, 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.
- Master’s degree or higher in a quantitative field such as Mathematics, Statistics, Economics, Operations Research, or Business.
- Ability to influence in a cross-functional, non-hierarchical environment and 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.
- Analyze the portfolio 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 to 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.
Benefits
- Competitive compensation and benefits programs.
- Cash compensation, including overtime and bonus/commissions if eligible.
- Equity.
- Benefits intended to support a healthy lifestyle and flexibility to meet changing needs.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
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