Lead Credit Risk Strategist, Acquisition

<p>Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy.</p> <p>We are a rapidly growing company that’s revolutionizing the way the restaurant industry does business by pairing technology with an extraordinary commitment to customer success. We help restaurants streamline operations, increase revenue, and deliver amazing guest experiences through our platform that combines restaurant point of sale, guest-facing technology, and award-winning customer support. Join us as we empower the restaurant community to delight guests, do what they love, and thrive.</p> <p><strong><em>Bready</em></strong><strong>* to make a change?</strong></p> <p>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 Lead Credit Risk Strategist as part of the team, with a focus on the acquisition space. You will work with other analysts, risk managers and leaders to analyze customer characteristics, identify risk differentiators, and recommend underwriting strategies to achieve the risk and return goals. If you have an analytic and data driven mindset, eye for detail and can-do attitude then you are right for this position.</p> <p><strong>About this </strong><strong><em>roll</em></strong><strong>* (Responsibilities) </strong></p> <ul> <li>Work with the leadership team to develop and refine credit risk strategy for new and existing lending products</li> <li>Identify risk drivers and recommend policy changes to balance risk and growth</li> <li>Partner with Data Science team to build, test and monitor credit risk and decision models</li> <li>Perform portfolio analysis to monitor credit performance, emerging trends, and opportunities for strategies expansion and tightening</li> <li>Design and execute A/B test and champion-challenger experiments for policy, pricing and strategy changes</li> <li>Support risk based pricing and profitability analysis to improve risk-return outcomes</li> <li>Collaborate with R+D, Product, and Operations on the test and launch of new features and/or products</li> </ul> <p><strong>Do you have the right </strong><strong><em>ingredients*</em></strong><strong>? (Requirements)</strong></p> <ul> <li>5+ years of experience in retail/consumer/SMB finance in a credit risk or strategy role preferably in Fintech/banks</li> </ul> <p><strong>Ability and experience in writing credit memos and credit decision and strategy documentation</strong><strong>Past experience in growing a lending business and hands on experience in credit strategy is required</strong></p> <ul> <li>Experience in A/B testing </li> <li>Masters Degree or higher in a quantitative field (Mathematics/Statistics/Economics/OR/Business)</li> <li>Advanced data analytics skills, including use of SQL, Python/R, Excel and data visualization tools such as Looker/Tableau/Hex</li> <li>Familiarity with statistical modeling is required</li> <li>Ability to influence a cross-functional non-hierarchical environment to lead collaborations and drive progress</li> </ul> <p data-pm-slice="1 1 []"><strong>AI at Toast</strong></p> <p>At Toast, one of our company values is that 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.</p> <p><br><strong>Our Total Rewards Philosophy</strong></p> <p>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 p ... (truncated, view full listing at source)