Lead, Credit Risk Analytics & AI Enablement

5+ years of experience in retail/consumer/SMB finance in a credit risk or strategy role preferably in Fintech/banks

Ability and experience in writing credit memos and credit decision and strategy documentation

Past experience in growing a lending business and hands on experience in credit strategy is required

Experience in A/B testing

Masters Degree or higher in a quantitative field (Mathematics/Statistics/Economics/OR/Business)

Advanced data analytics skills, including use of SQL, Python/R, Excel and data visualization tools such as Looker/Tableau/Hex

We strive to provide competitive compensation and benefits programs that help to attract, retain, and motivate the best and brightest people in our industry. Our total rewards package goes beyond great earnings potential and provides the means to a healthy lifestyle with the flexibility to meet Toasters’ changing needs. Learn more about our benefits at

https://careers.toasttab.com/toast-benefits

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How Toast Uses AI in its Hiring Process

Throughout the hiring process, our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking, summarization, and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people.

Diversity, Equity, and Inclusion is Baked into our Recipe for Success

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 to balance risk and growth

Partner with Data Science team to build, test and monitor credit risk and decision models

Perform portfolio analysis to monitor credit performance, emerging trends, and opportunities for strategies expansion and tightening

Design and execute A/B test and champion-challenger experiments for policy, pricing and strategy changes

Support risk based pricing and profitability analysis to improve risk-return outcomes