Lead Credit Risk Analyst
Core
Lead Credit Risk Strategist developing AI-enabled underwriting strategies and decision models for Toast Capital's restaurant lending portfolio.
Role type
Senior IC credit risk strategist (fintech)
Builds
AI-enabled credit risk tooling, decision models, and automated workflows for merchant lending
Domain
Fintech / Consumer Credit / Restaurant Industry
Deliverable
production ML models
Required skills
credit risk strategy, AI/LLM tool application, statistical modeling, A/B testing, SQL, Python/R, model governance, explainability, fair lending
Preferred skills
experience growing lending businesses, writing credit memos, cross-functional influence
Technologies
SQL, Python, R, Looker, Tableau, Hex
Responsibilities
Develop and refine credit risk strategy for new and existing lending products; Identify risk drivers and recommend policy changes; Partner with Data Science to build and monitor credit risk models; Perform portfolio analysis to monitor credit performance; Design and execute A/B tests for policy and pricing; Build AI-enabled workflows to automate analysis and surface risk signals
Seniority
Senior, hands-on IC
