Manager, Embedded Finance Operations
Core
Build and lead a new Embedded Finance underwriting function in Bengaluru, setting up operations, workflows, and controls for Toast's lending business.
Role type
Manager, Embedded Finance Operations (Player-coach)
Builds
Underwriting team, automated decisioning workflows, and AI-enabled tools for merchant/small business lending
Domain
Fintech / Embedded Finance / Small Business Lending
Deliverable
production ML models
Required skills
Lending operations leadership, hands-on underwriting/credit decisioning, team building and scaling, process automation, data analytics (SQL, BI), cross-functional stakeholder management, global team collaboration, risk and compliance discipline
Preferred skills
Fintech/embedded finance experience, AI/ML-assisted decisioning, setting up new centers of excellence in India, credit risk frameworks, Lean/Six Sigma, hospitality/SMB domain knowledge
Technologies
SQL, Excel, Looker, Tableau, AI tools
Responsibilities
Define operating model and workflows for the underwriting team; manage and coach underwriters while making complex credit decisions; recruit and develop talent; automate manual underwriting tasks with AI and data tools; build BI dashboards for performance tracking; partner with Product, Engineering, and Risk; align with US-based leadership on policies and standards; ensure regulatory compliance and audit readiness
Seniority
Manager, hands-on IC with team leadership