Principal Data Scientist

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 changeToast is looking to expand the Data Science team to deliver new Data Science models to meet Toast Capital Lending increased demands As a Principal Data Scientist you will bring senior data science technical leadership with domain expertise in lending to the Capital Data Science team An ideal candidate has wealth of experience in banking lending technology or a leading fintech company with substantial depth of expertise and knowledge in lending underwriting and risk management models About this Roll Lead the development and implementation of advanced predictive models to assess credit risk optimize lending growth and improve overall portfolio performance Will actively engage in code reviews and comprehensive data quality assessments ensuring that all development data pipelines and code meet the highest standards of reliability accuracy and readiness for seamless production deployment Collaborate closely with cross-functional teams including Risk Management Product Engineering and Business Strategy to identify opportunities for leveraging data-driven insights to support growth and risk mitigation initiatives Design develop and maintain innovative credit risk and lending growth strategies that align with the organization s objectives while ensuring compliance with regulatory requirements and industry best practices Monitor and analyze the performance of existing models and strategies identifying areas for improvement and implementing data-driven refinements as needed Present complex data-driven insights and recommendations to stakeholders in a clear concise and actionable manner while fostering a data-driven culture within the organization Mentor and guide junior data scientists fostering a collaborative environment and promoting the growth and development of the data science team Stay current with the latest trends and developments in data science fintech and credit risk management continually exploring new methods and technologies to enhance the organization s capabilities Do you have the right ingredients Advanced degree in quantitative field such as Data Science Statistics Mathematics Financial Engineering or related discipline 10 years of experience in data science with a focus on credit risk modeling in retail lending space consumer or small business and lending growth strategies preferably within the fintech lending space Proficiency in machine learning AI and statistical modeling techniques with a strong track record of developing and deploying successful predictive models in a business setting Familiarity with the US model risk management policies such as SR 11-7 that govern the lending models is strongly preferred Strong proficiency in Python and SQL and experience with data science libraries and tools such as Spark Scala scikit-learn Tensorflow PyTorch XGBoost etc Familiarity with standard software engineering practices and tools including object-oriented programming test-driven development CI CD git task orchestration Airflow and AWS tooling Strong understanding of credit risk management lending practices and regulatory requirements within the financial industry Excellent communication and presentation skills with the ability to articulate complex data-driven insights to both technical and non-technical stakeholders Strong leadership skills with experience mentoring and guiding junior data scientists Bonus ingredients Passion for research and curiosity that calls you to go beyond good enough to create something innovative and exciting Self starter who loves to dig into different kinds of data to solve business problems and can communicate their findings to cross-functional stakeholders Work Mode This role follows a hybrid work model requiring a minimum of 2 days per week in the office Diversity Equity and Inclusion is Baked into our Recipe for SuccessAt 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 TogetherWe 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