Lead Credit Risk Analyst

<p>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.</p> <p>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.</p> <p>&nbsp;</p> <p><strong><em>Bready</em></strong><strong>* to make a change?</strong></p> <p>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.</p> <p><br><br></p> <p><strong>About this&nbsp;</strong><strong><em>roll</em></strong><strong>* (Responsibilities)&nbsp;</strong></p> <ul> <li>Work with the leadership team to develop and refine credit risk strategy for new and existing lending products</li> <li>Identify risk drivers and recommend policy changes that balance risk and growth</li> <li>Partner with Data Science to build, test and monitor credit risk and decision models</li> <li>Perform portfolio analysis to monitor credit performance, emerging trends, and opportunities to expand or tighten strategy</li> <li>Design and execute A/B tests and champion-challenger experiments for policy, pricing and strategy changes</li> <li>Support risk based pricing and profitability analysis to improve risk-return outcomes</li> <li>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</li> <li>Collaborate with R+D, Product, Engineering, Data Science and Operations to launch new products, features, and AI-enabled workflows</li> </ul> <p>&nbsp;</p> <p><strong>Do you have th