Principal Technical Risk Analyst

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?

We are seeking a highly analytical detail-oriented Collections Data Analyst to join our FIntech risk team supporting capital loans. The ideal candidate will specialize in analyzing collections data, identifying trends, patterns, and insights to build strategies and support strategic decision-making, improve collected dollars, and optimize portfolio performance.

About this roll* (Responsibilities) 

Key Responsibilities

• Collect, clean, and analyze collections and delinquency data.
• Develop and maintain dashboards, reports, and visualizations to track collection performance metrics.
• Identify trends, anomalies, and correlations within collection data to provide actionable insights.
• Conduct root cause analysis to understand factors impacting delinquency rates and recovery efforts.
• Support the development of data-driven strategies for portfolio management and collections optimization.
• Collaborate with the operations team to deeply understand the collections process and have the ability to influence the ops.
• Monitor key performance indicators (KPIs) such as delinquency rates, recovery rates, and aging metrics.
• Provide monthly, quarterly, and ad hoc reporting on portfolio health and collection effectiveness.
• Ensure data accuracy, consistency, and integrity across all analyses.
• Stay updated on industry best practices and leverage advanced analytical tools and techniques

• Bachelor's /Masters degree in Engineering, statistics, operations research, Finance, Accounting, Economics, Data Science, or a related field
• 7+ years of experience in credit risk analytics 
• Proven experience in data analysis, preferably within collections, credit risk, or financial services.
• Strong proficiency in analytics tools - Excel, SQL, Python, Tableau, or Power BI.
• Excellent analytical, problem-solving, and critical-thinking skills.
• Ability to interpret complex data and communicate insights effectively.
• Knowledge of unsecured lending products and collections processes
• Attention to detail and high level of accuracy.
• Excellent written and verbal communication skills, including stakeholder and committee presentations

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

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