**Who this is for** This role is for a seasoned financial analyst or risk professional looking to apply advanced analytics and quantitative modeling to shape cr
Work type: remote
Location: US Remote
Salary: $128,000 – $205,000/yr
Type: Full-time
**Who this is for** This role is for a seasoned financial analyst or risk professional looking to apply advanced analytics and quantitative modeling to shape credit risk strategy for a fast-growing fintech platform. **Key highlights** You will lead the design of credit frameworks for lending products, manage portfolio performance, and collaborate with product and data teams to drive risk-informed growth. **You might be a good fit if you...** - Hold a Master’s degree or higher in a quantitative field like Mathematics, Statistics, or Finance. - Have 8+ years of experience in credit risk strategy or SMB lending. - Possess strong technical proficiency in SQL, R, Python, or SAS. - Can effectively translate complex analytical insights into actionable strategies for senior leadership.
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. You’ll leverage data, advanced analytics, and cross-functional collaboration to shape how Toast assesses and manages credit risk. Your work will directly influence product design, portfolio performance, and the financial health of our merchant partners.
About thisroll (Responsibilities)Credit Risk Strategy & Portfolio Management
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 RewardsThe base salary range for this role is listed below. The starting salary will be determined based on skills, experience, and geographic location. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions if eligible), equity, and benefits. You can learn more about how we align pay with local labor markets in our [Geographic Pay Zone Philosophy](https://careers.toasttab.com/us-pay-zones).
Zone A
$128,000—$205,000 USD
Zone B
$112,000—$179,000 USD
Zone C
$101,000—$162,000 USD
How Toast Uses AI in its Hiring Process
Throughout the hiring process, our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking, summarization, and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people.
Diversity, Equity, and Inclusion is Baked into our Recipe for Success
At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry is one of the most diverse, and we embrace that diversity with authenticity, inclusivity, respect, and humility. By embedding these principles into our culture and design, we create equitable opportunities for all and raise the bar in delivering exceptional experiences.
We Thrive Together
We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong culture of connection as we work together to empower the restaurant community. To learn more about how we work globally and regionally, check out: [https://careers.toasttab.com/locations-toast](https://careers.toasttab.com/locations-toast).