Senior Quantitative Credit Risk Strategist, Acquisition 

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 Senior Quantitative 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 define credit risk strategy for new and existing lending products
• Identify risk drivers and propose mitigation solutions
• Work with Data Science team to build  and test credit, account management and Collection models
• Set credit strategy and policy to drive business growth 
• Improve performance of existing credit models and build new models with help of Data Science team
• Improve Collection performance by operational, policy and modeling improvements
• Set credit and account management strategy
• 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)

• 7-9 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 documentationPast 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

We are Toasters

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

At Toast our employees are our secret ingredient. When they are powered to succeed, Toast succeeds.

The restaurant industry is one of the most diverse industries. We embrace and are excited by this diversity, believing that only through authenticity, inclusivity, high standards of respect and trust, and leading with humility will we be able to achieve our goals.

Baking inclusive principles into our company and diversity into our design provides equitable opportunities for all and enhances our ability to be first in class in all aspects of our industry.

Bready* to make a change? 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.