Credit Risk Senior Analyst - CECL Reporting, Loss Forecasting
Core
Lead Credit Risk Strategist driving risk-informed growth for Toast's Fintech line of business, focusing on portfolio risk management, loss forecasting, and CECL reporting for credit cards and revolving products.
Role type
Senior IC credit risk strategist (portfolio risk & loss forecasting)
Builds
Early-warning defenses, loss forecasting models, and portfolio risk management strategies for credit cards and revolving products
Domain
Fintech / Consumer Lending / Credit Risk
Deliverable
production ML models | dashboards & analysis
Required skills
Loss forecasting, expected loss estimation, portfolio risk management, CECL methodology, data-driven decision-making, cross-functional collaboration, regulatory compliance, data pipeline management
Preferred skills
Quantitative degree (Math/Stats/Econ/OR), Masters/MBA, experience in credit cards and term loan products
Technologies
SQL, Python, R, Tableau, Looker, Sigma, Hex
Responsibilities
Oversee monthly CECL calculations and reporting; refine loss forecasting models and methodologies; define and implement portfolio risk management strategy; develop risk reporting frameworks and monitor KPIs; identify emerging risks and propose mitigation solutions; maintain CECL methodology documents; collaborate with Product, Engineering, and Finance teams to ensure data quality
Seniority
Senior, hands-on IC
