Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy.

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.

**Bready to make a change?

The Fintech Risk team at Toast is responsible for driving risk informed growth for the rapidly expanding Toast Fintech line of business. We are seeking a Lead Credit Risk Strategist as part of the team, with a focus on the acquisition space. You will work with other analysts, risk managers and leaders to analyze customer characteristics, identify risk differentiators, and recommend underwriting strategies to achieve the risk and return goals. If you have an analytic and data driven mindset, eye for detail and can-do attitude then you are right for this position.

**About this roll (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 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

• Collaborate with R+D, Product, and Operations on the test and launch of new features and/or products

**Do you have the right ingredients? (Requirements)

• 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

• Familiarity with statistical modeling is required

• Ability to influence a cross-functional non-hierarchical environment to lead collaborations and drive progress

AI at Toast

At Toast, one of our company values is that we're hungry to build and learn. We believe learning new AI tools empowers us to build for our customers faster, more independently, and with higher quality. We provide these tools across all disciplines, from Engineering and Product to Sales and Support, and are inspired by how our Toasters are already driving real value with them. The people who thrive here are those who embrace changes that let us build more for our customers; it’s a core part of our culture.

Our Total Rewards Philosophy

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.

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

At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry is one of the most diverse, and we embrace that diversity with authenticity, inclusivity, respect, and humility. By embedding these principles into our culture and design, we create equitable opportunities for all and raise the bar in delivering exceptional experiences.

We Thrive Together

We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong culture of connection as we work together to empower the restaurant community. To learn more about how we work globally and regionally, check out: https://careers.toasttab.com/locations-toast.

Apply today!

Toast is committed to creating an accessible and inclusive hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you need an accommodation to access the job application or interview process, please contact candidateaccommodations@toasttab.com.

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For roles in the United States, it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.