Toast · 1 day ago
Principal - Credit Risk Strategy
United States
Full-time
Remote
Lead/Staff
$105K/yr - $168K/yr
8+ years expToast is a company dedicated to helping restaurants thrive through technology and community support. They are seeking a Principal Credit Risk Analyst to lead the evaluation and optimization of credit risk across their lending portfolio, ensuring a balance between growth and prudent risk management.
DeliveryPoint of SaleSaaS
Responsibilities
Lead the design and execution of Toast’s credit risk strategy across multiple lending products and lifecycle stages
Develop and refine risk frameworks, policies, and performance metrics that balance growth and credit quality
Monitor and interpret portfolio performance, identifying emerging risks, opportunities, and portfolio optimization levers
Partner with Product, Finance, Data Science, and Operations to launch and scale new lending products responsibly
Define credit strategies that align with growth targets while maintaining risk appetite
Support pricing, underwriting, and account management strategies to optimize customer acquisition and retention
Build and enhance risk models (scorecards, forecasting, loss models) leveraging advanced analytics
Perform deep-dive portfolio analyses to support data-driven decision-making
Evaluate external data sources, credit bureaus, and alternative data providers to strengthen risk assessment
Ensure alignment with regulatory requirements and internal risk management frameworks
Deliver clear, actionable insights to senior leadership and governance committees
Represent the Fintech Risk team as a thought leader, mentoring analysts and influencing decision-making across the organization
Qualification
Required
8+ years of experience in credit risk strategy, analytics, or portfolio management, ideally within fintech, SMB lending, or financial services
Masters Degree or higher in a quantitative field (Mathematics / Statistics / Economics / Finance / Operations Research, etc)
Proven track record in managing and scaling lending products across lifecycle stages
Strong proficiency in statistical/analytical tools (SQL, Python, R, SAS, or similar) and data visualization tools (Tableau, Hex, or similar)
Experience with credit risk analytics/modeling, stress testing, and portfolio management
Proficient verbal and written communication skills for interpreting analytic results to technical and non-technical audiences
Exceptional problem-solving and critical-thinking ability
Strong communication skills with the ability to influence stakeholders across all levels
Leadership presence with experience mentoring analysts or leading cross-functional initiatives
Benefits
Competitive compensation and benefits programs
Cash compensation (overtime, bonus/commissions, if eligible)
Benefits
Equity (if eligible)
Company
Toast
Toast is a point-of-sale and restaurant management platform designed for businesses in the food service and hospitality industry.
1001-5000 employees
H1B Sponsorship
Toast has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (26)
2024 (32)
2023 (39)
2022 (66)
2021 (29)
2020 (17)
Funding
Current Stage
Public CompanyTotal Funding
$961.95MKey Investors
12 West CapitalT. Rowe PriceBessemer Venture Partners
2021-09-22IPO
2020-11-23Secondary Market· $60M
2020-02-14Series F· $400M
Leadership Team
Aman Narang
CEO and Co-Founder
Steve Fredette
Co-founder and President
Recent News
The Motley Fool
2025-12-28
techbuzzireland.com
2025-12-21
2025-12-19
Company data provided by crunchbase