Principal Credit Risk Strategist, Acquisition

Principal 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 Principal 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 Take lead in launching new products and drive improvements in underwriting strategy pricing strategy 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 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 7-10 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 Bachelor s degree or higher in a quantitative field such as Mathematics Statistics Economics Engineering 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 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 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 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 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