Lead Credit Risk Analyst

Toast, Inc.

Confirmed live today High trust
Remote

Quick summary

Work type
Remote
Location
Remote
Salary
$105,000–$168,000 / yr
Posted
3 days ago
Freshness
Confirmed live today
Closes
Dec 24, 2026

Market check

Salary context

Below market

How this pay compares to similar roles

Similar $157k
This role $136k
$95k most similar roles pay here $198k

This role pays less than 69% of similar roles. Most pay $129,725–$184,950 — the shaded band above. At the midpoint, this role pays about $136k versus about $157k for comparable roles.

Based on 240 similar postings.

Employer

About Toast, Inc.

Toast is a cloud-based restaurant management platform providing point-of-sale, payment processing, and operations software for the food service industry.

Toast, Inc. currently has 28 open roles on FindRole.

Listed pay typically runs $184,500–$295,500 across 28 roles with salary data.

Most-posted roles

View all roles at Toast, Inc.

At a glance

TL;DR · Lead Credit Risk Analyst

Lead Credit Risk Analyst joins the Fintech Risk team to drive risk-informed growth for the acquisition space. This role focuses on analyzing customer characteristics, identifying risk differentiators, and recommending underwriting strategies that balance risk and return goals. The successful candidate will build AI-enabled tooling and workflows to automate recurring analysis, summarize merchant performance, and surface risk signals while collaborating with Data Science and Engineering teams. Key responsibilities include performing portfolio analysis, executing A/B tests for pricing and policy changes, and writing credit memos. Required technical skills include advanced SQL and Python or R, experience with Looker, Tableau, or Hex, and familiarity with statistical modeling. The role requires expertise in LLM tools, model governance, and fair lending within automated decisioning to solve complex credit risk challenges for the restaurant industry's financing needs.

What you'll do

  • Develop and refine credit risk strategies for new and existing lending products.
  • Identify key risk drivers and recommend policy changes to balance growth with risk.
  • Partner with Data Science teams to build, test, and monitor credit decision models.
  • Perform portfolio analysis to monitor performance trends and identify opportunities to adjust strategy.
  • Design and execute A/B tests and champion-challenger experiments for pricing and policy updates.
  • Conduct risk-based pricing and profitability analyses to improve overall risk-return outcomes.
  • Build AI-enabled workflows and copilots to automate recurring analysis and surface risk signals.

What we're looking for

  • 5+ years of experience in retail, consumer, or SMB credit risk or strategy, preferably in fintech or banking.
  • Proven experience growing a lending business and hands-on experience in credit strategy.
  • Ability and experience writing credit memos and documentation for credit decisions and strategies.
  • Experience applying AI or LLM tools to improve analytical workflows, operational processes, or decision support.
  • Advanced proficiency in SQL and Python/R with Looker, Tableau, Hex, or similar tools.
  • Familiarity with statistical modeling, A/B testing, and model governance for automated credit decisions.
  • Master's degree or higher in a quantitative field such as Mathematics, Statistics, Economics, OR, or Business.
  • Ability to influence cross-functional teams across Risk, Engineering, Data Science, and Product.

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