Senior Manager, Credit RIsk

3 days ago

Bengaluru, India Toast Full time
Now, more than ever, the Toast team is committed to our customers. We’re taking steps to help restaurants navigate these unprecedented times with technology, resources, and community. Our focus is on building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love. And because our technology is purpose-built for restaurants, by restaurant people, restaurants can trust that we’ll deliver on their needs for today while investing in experiences that will power their restaurant of the future.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. Whether it is enhancing our strategy and processes, sharpening our policies or identifying new products for our merchants, the risk team is an integral part of charting the path for the business.The Sr. Manager, Credit Risk, is a high-profile role that will serve as the leader for our Credit Risk functions in Bangalore, mentoring and managing a growing and hungry team of analysts who conduct portfolio management, acquisition and CECL analysis.

We are looking for a professional that is passionate about building risk-right products and excited to evangelize what it means to work in Credit Risk at Toast.

The Sr. Manager, Credit Risk, will work with a broad cross-functional team to lead the development and execution of portfolio risk strategies for Toast's lending portfolio. This pivotal role will require intellectual curiosity and analytical acumen to enhance our understanding of risk, deliver new visualizations and reporting to help inform risk-right growth decisions and foster innovation in how Toast’s lending business goes to market.About this

roll

* (Responsibilities)Portfolio Risk Strategy : Define, implement, and continuously improve the portfolio risk management strategy, ensuring alignment with company appetiteRisk Reporting and Monitoring : Develop and maintain a comprehensive and timely reporting framework to provide risk visibility to management, ensuring that risk and return are optimized and in line with company goalsEmerging Risk Identification and Mitigation : Proactively identify emerging risks and propose data-driven mitigation solutions to minimize potential losses and optimize returns.CECL Reporting : Oversee the monthly CECL calculations and reporting process, collaborating closely with accounting and strategic finance teams to ensure the robustness of methodology and accuracy of loss reserve calculations.Cross-Functional Collaboration : Foster strong partnerships with Product Management, Operations, Engineering, Data Science, Accounting, and Strategic Finance teams, driving alignment and facilitating data-driven decision-making.Team Leadership : Mentor and coach a team of high-performing credit risk analysts, fostering their professional growth and development.Risk Culture Advocacy : Promote a culture of risk awareness and excellence within the broader Fintech Risk team in India, providing leadership presence and guidance.Policy Management : Maintain and update credit risk policy documents and procedures, ensuring compliance with regulatory requirements and industry best practices.Do you have the right

ingredients*

? (Requirements)8-10 years of experience in consumer or small business lending in a quantitative risk strategy role, preferably in FintechAt least 3 years of experience in managing a teamQuantitative degree (Mathematics/Statistics/Economics/Operations Research) preferred, Masters Degree or MBA a plusProficiency in SQL and Python/R, with experience in data visualization tools such as Hex/ Tableau/Looker/SigmaStrong understanding of Corporate Finance and US GAAP Accounting principles, including CECLExceptional written and verbal communication skills, with the ability to effectively convey complex ideas to both technical and non-technical audiences.An inquisitive nature, with a passion for exploring variances, understanding root causes, and driving data-driven decision-makingProven ability to navigate a cross-functional, non-hierarchical environment, fostering collaboration and driving alignment across teams

Work Timings: 1 PM - 10 PM ISTWorking Mode: Twice a week to office

We are ToastersDiversity, 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 todayToast 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

  • CredAble - Senior Manager - Credit Risk

    2 weeks ago

    Bengaluru, Karnataka, India Equentia SCF Technologies Private Limited Full time

    Responsibilities: Overseeing the underwriting function for Credable's lending business Assessing credit risk, preparing credit application notes, and presenting to Credit Committee. Contributing to the enhancement of the Credit risk framework, risk process, and policy development as well as product and portfolio management. Supporting the expansion of...

  • CredAble - Senior Manager - Credit Risk

    1 month ago

    Bengaluru, India Equentia SCF Technologies Private Limited Full time

    You Will Be Responsible For:- Underwriting function for Credable's lending business- Responsible for evaluating credit risk, preparing credit application notes, and presenting to Credit Committee.- Contributing to the development of the Credit risk framework - risk process and policy, product development, portfolio management, and portfolio monitoring.-...

  • CredAble - Senior Manager - Credit Risk

    4 weeks ago

    Bengaluru, India Equentia SCF Technologies Private Limited Full time

    You Will Be Responsible For:- Underwriting function for Credable's lending business- Responsible for evaluating credit risk, preparing credit application notes, and presenting to Credit Committee.- Contributing to the development of the Credit risk framework - risk process and policy, product development, portfolio management, and portfolio monitoring.-...

  • Senior Manager-Risk

    2 weeks ago

    Greater Bengaluru Area, India Credit Saison India Full time

    About Credit Saison India:Credit Saison India (registered as Kisetsu Saison Finance (India) Private Limited) is an NBFC registered with the Reserve Bank of India (RBI). CS India is part of Saison International, the global business arm of Credit Saison with a focus on wholesale and direct lending as well as integrated tech partnerships with leading NBFCs and...

  • Chaitanya India Fin Credit

    2 months ago

    Bengaluru, India Chaitanya India Fin Credit Pvt. Ltd Full time

    We are looking for Credit Risk Manager with having certification of FRM Level 1 or 2. Or Knowledge in Credit risk is must or Market Risk Job Monitoring portfolio distribution, concentration, and segmental risk.- Monitor portfolio performance and risks emanating from the same across product, geography, program etc.- Monitoring Portfolio risk through...

  • Chaitanya India Fin Credit

    4 weeks ago

    Bengaluru, India Chaitanya India Fin Credit Pvt. Ltd Full time

    We are looking for Credit Risk Manager with having certification of FRM Level 1 or 2. Or Knowledge in Credit risk is must or Market Risk Job Monitoring portfolio distribution, concentration, and segmental risk.- Monitor portfolio performance and risks emanating from the same across product, geography, program etc.- Monitoring Portfolio risk through...

  • Credit Risk Management

    2 weeks ago

    Bengaluru, Karnataka, India Talent500 Full time

    Role Title - Credit Risk Management – Treasury ManagerJob Grade 11Company - New Healthcare BusinessThe Impact You Will Make in this Role:As a Credit Risk Management – Treasury Supervisor Lead, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world.Here, you will make...

  • Credit Risk Management

    2 weeks ago

    Bengaluru, Karnataka, India Talent500 Full time

    Role Title Credit Risk Management – Treasury ManagerJob Grade 11CompanyNew Healthcare BusinessThe Impact You Will Make in this Role:As a Credit Risk Management – Treasury Supervisor Lead, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world.Here, you will make an...

  • Credit Risk Management

    2 weeks ago

    Bengaluru, Karnataka, India Talent500 Full time

    Role Title - Credit Risk Management – Treasury Manager Job Grade 11 Company - New Healthcare Business The Impact You Will Make in this Role: As a Credit Risk Management – Treasury Supervisor Lead, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world. Here, you...

  • Credit Risk

    2 weeks ago

    Bengaluru, Karnataka, India JPMorgan Chase Bank, N.A. Full time

    As a Credit Risk Associate, you help the firm manage the risk in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. You will be conducting credit analysis of Corporate clients including portfolio management in the Middle Markets team in...

  • Director Credit Risk

    2 weeks ago

    Bengaluru, India BPO Full time

    Job Purpose and primary objectives:Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structureKey Roles & Responsibilitieso Experience; in Corporate & Commercial Lending, FIG/Corporate &...

  • Credit Risk Analyst

    2 weeks ago

    Bengaluru, India Turno Full time

    Responsibilities:Development, Implement and Review of Credit Risk Models & Associated Frameworks in an unsecured rural/semi-urban lending context.Implement & Monitor Credit Risk strategies across the lending life cycle-acquisition, underwriting, cross-sell & collections.Review portfolio on periodic basis across various risk metrics for early warning signals...

  • Avp Credit Risk

    3 weeks ago

    Bengaluru, India Time Hack Consulting India Full time

    **About the Company**: A fintech company based out of Bangalore and started in 2016. Our vision is to uncomplicate loans and give faster access to our users. We have a wide range of products from personal loans to wedding loans, vehicle loans, education loans, etc. We are a profitable fintech company looking to scale 10X in the next 3 years. **Role and...

  • Senior Manager, Credit RIsk

    6 days ago

    Bengaluru, India Toast Full time

    Now, more than ever, the Toast team is committed to our customers. We’re taking steps to help restaurants navigate these unprecedented times with technology, resources, and community. Our focus is on building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love. And because...

  • Senior Manager, Credit RIsk

    7 days ago

    Bengaluru, India Toast Full time

    Now, more than ever, the Toast team is committed to our customers. We’re taking steps to help restaurants navigate these unprecedented times with technology, resources, and community. Our focus is on building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love. And because...

  • Director Credit Risk

    2 weeks ago

    Bengaluru, Karnataka, India BPO Full time

    Job Purpose and primary objectives:Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structureKey Roles & Responsibilitieso Experience; in Corporate & Commercial Lending, FIG/Corporate &...

  • Director Credit Risk

    2 weeks ago

    Bengaluru, India BPO Full time

    Job Purpose and primary objectives: Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure Key Roles & Responsibilities o Experience; in Corporate & Commercial Lending, FIG/Corporate &...

  • Director Credit Risk

    2 weeks ago

    Bengaluru, India BPO Full time

    Job Purpose and primary objectives: Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure Key Roles & Responsibilities o Experience; in Corporate & Commercial Lending,...

  • Director Credit Risk

    7 days ago

    Bengaluru, India BPO Full time

    Job Purpose and primary objectives: Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure Key Roles & Responsibilities o Experience; in Corporate & Commercial Lending, FIG/Corporate &...

  • Credit Risk Analyst

    2 weeks ago

    Bengaluru, Karnataka, India Swiss Re Full time

    About the RoleBring the passion to contribute to the success of Swiss Re by identifying risks worth taking while steering away from risks that could destabilize the Group. Furthermore, the role will bring an independent, broad, and long-term perspective to protect Swiss Re's reputation and financial strength.Responsibilities include:Wide range of credit...