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We empower the restaurant community to delight guests, do what they love, and thrive.
Credit Risk Analytics Lead
Location
United States
Posted
73 days ago
Salary
$105K - $168K / year
Seniority
Senior
Job Description
Credit Risk Analytics Lead
Toast
• Identify high-impact opportunities to improve credit risk workflows using AI across underwriting, portfolio monitoring, policy interpretation, and collections • Design and deploy internal AI copilots that help analysts draft credit memos, summarize merchant performance, and interpret key risk signals • Build tools that automatically generate risk narratives, portfolio commentary, and merchant-level performance summaries • Partner with Engineering, Data Science, and Product to implement AI-powered tools using structured data, internal APIs, and secure LLM platforms • Develop prompt frameworks and workflows that combine deterministic risk metrics with AI-generated insights while maintaining explainability and human oversight • Conduct portfolio analyses to identify merchant performance trends and emerging risk signals • Redesign risk processes to reduce manual work, automate recurring analysis, and increase analyst productivity • Collaborate with Credit Risk, Compliance, Engineering and Operations to responsibly deploy and scale AI-enabled workflows
Job Requirements
- 5+ years of experience applying analytics, automation, or AI to improve risk or operational workflows in fintech, financial services, or technology
- Experience applying AI or LLM tools to improve analytical workflows, operational processes, or decision support
- Strong analytical skills with the ability to translate portfolio or transactional data into actionable insights
- Advanced proficiency in SQL and Python; experience building dashboards or automated analytics solutions (Looker/Tableau/Hex or similar)
- Familiarity with prompt design, AI-assisted workflows, or automation frameworks integrating structured data with LLM outputs
- Strong communication skills and ability to influence cross-functional stakeholders across Risk, Engineering, Data Science, and Product.
Benefits
- Competitive compensation and benefits programs
- Health insurance
- 401(k) plan
- Professional development opportunities
- Flexible work arrangements
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