As a Lead Credit Risk Strategist at Toast, you will be part of the Fintech Risk team responsible for driving risk-informed growth for the Toast Fintech line of business. Your main responsibilities will include:
Developing and refining credit risk strategy for new and existing lending products in collaboration with the leadership team
Identifying risk drivers, recommending policy changes, and balancing risk and growth
Collaborating with the Data Science team to build, test, and monitor credit risk and decision models
Conducting portfolio analysis to monitor credit performance, identify emerging trends, and explore opportunities for strategy expansion and tightening
Designing and executing A/B tests and champion-challenger experiments for policy, pricing, and strategy changes
Supporting risk-based pricing and profitability analysis to enhance risk-return outcomes
Working with R+D, Product, and Operations on testing and launching new features and/or products
To be successful in this role, you should have the following qualifications:
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
Proficiency in A/B testing
Master's degree or higher in a quantitative field (Mathematics/Statistics/Economics/OR/Business)
Advanced data analytics skills, including the use of SQL, Python/R, Excel, and data visualization tools such as Looker/Tableau/Hex
Familiarity with statistical modeling
Ability to influence a cross-functional non-hierarchical environment, lead collaborations, and drive progress
At Toast, the company values a culture of continuous learning and growth, including the embrace of AI tools. The company provides these tools across all departments to empower employees to build for customers faster and with higher quality. Toast offers a competitive compensation and benefits package to attract and retain top talent in the industry. The company's total rewards philosophy focuses on providing flexibility and support for employees' changing needs. Diversity, Equity, and Inclusion are core values at Toast, where employees are encouraged to thrive in an inclusive and respectful environment. By embedding these principles into the company's culture and design, Toast creates equitable opportunities for all employees. Toast is committed to an accessible and inclusive hiring process, providing reasonable accommodations for persons with disabilities. The company does not require or administer lie detector tests as a condition of employment in Massachusetts. If you are ready to make a meaningful impact in the restaurant industry and thrive in a collaborative environment, apply today to join the Toast team. As a Lead Credit Risk Strategist at Toast, you will be part of the Fintech Risk team responsible for driving risk-informed growth for the Toast Fintech line of business. Your main responsibilities will include:
Developing and refining credit risk strategy for new and existing lending products in collaboration with the leadership team
Identifying risk drivers, recommending policy changes, and balancing risk and growth
Collaborating with the Data Science team to build, test, and monitor credit risk and decision models
Conducting portfolio analysis to monitor credit performance, identify emerging trends, and explore opportunities for strategy expansion and tightening
Designing and executing A/B tests and champion-challenger experiments for policy, pricing, and strategy changes
Supporting risk-based pricing and profitability analysis to enhance risk-return outcomes
Working with R+D, Product, and Operations on testing and launching new features and/or products
To be successful in this role, you should have the following qualifications:
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
Proficiency in A/B testing
Master's degree or higher in a quantitative field (Mathematics/Statistics/Economics/OR/Business)
Advanced data analytics skills, including the use of SQL, Python/R, Excel, and data visualization tools such as Looker/Tableau/Hex
Familiarity with statistical modeling
Ability to influence a cross-functional non-hierarchical environment, lead collaborations, and drive progress
At Toast, the company values a culture of continuous learning and growth, including the embrace of AI tools. The company provides these tools across all departments to empower employees to build for customers faster and with higher quality. Toast offers a competitive compensation and benefits pac
