Principal Portfolio Risk Analyst

Principal Credit Risk Analyst

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 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 Analyst to lead the evaluation, monitoring, and optimization of credit risk across our lending portfolio. This role will be critical in balancing growth opportunities with prudent risk management, ensuring sustainable performance of both existing and new lending products. The ideal candidate combines deep analytical expertise, strategic problem-solving, and the ability to influence product, finance, and operations teams.

About this roll* (Responsibilities) 

Credit Risk Strategy & Management

• Develop and refine credit risk policies and frameworks to ensure the health of the lending portfolio
• Monitor portfolio performance and provide insights on emerging risks, trends, and opportunities

Product Growth & Innovation

• 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

Analytics & Decisioning

• 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

Governance & Compliance

• Ensure alignment with regulatory requirements and internal risk management frameworks
• Provide clear documentation and reporting to senior leadership and stakeholders
• Represent credit risk in cross-functional governance forums and committees

Do you have the right ingredients*? (Requirements)

• 8+ years of experience in a credit risk strategy and analytics role preferably in financial services or fintech
• 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

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.

Our Spread* of Total Rewards
We strive to provide competitive compensation and benefits programs that help to attract, retain, and motivate the best and brightest people in our industry. Our total rewards package goes beyond great earnings potential and provides the means to a healthy lifestyle with the flexibility to meet Toasters’ changing needs. Learn more about our benefits at https://careers.toasttab.com/toa