Lead, Credit Risk Analytics & AI Enablement
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Job Location:
Monthly Salary:
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
Toast Capital provides fast flexible funding to restaurants and hospitality businesses on the Toast platform. By leveraging Toasts rich operational and transaction data Toast Capital delivers financing that is aligned with how restaurants actually run.
As Toast Capital scales we are investing in modernizing our credit risk organization through better analytics automation and AI-enabled workflows. Our goal is to empower risk analysts with tools that improve decision quality reduce manual work and allow the team to scale efficiently.
Bready* to make a change
The Fintech Risk team at Toast is accelerating the adoption of AI to transform how we operate. We are seeking a Lead Analyst to design and deploy intelligent AI-powered workflows for Toast Capitals credit risk function.
This role sits at the intersection of credit risk analytics and applied AI. You will identify opportunities to improve underwriting portfolio monitoring and risk operations by designing and implementing internal AI tools such as copilots assistants and automated analytical workflows. The ideal candidate combines strong credit risk intuition analytical problem-solving and technical curiosity about AI tools and automation. You should be excited about turning manual analytical processes into scalable systems that allow risk teams to operate faster and more consistently.
About thisroll* (Responsibilities)
- 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
Do you have the rightingredients* (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
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 ingredientwhen they thrive we 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: today!
Toast is committed to creating an accessible and inclusive hiring process. As part of this commitment we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you need an accommodation to access the job application or interview process please contact .
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For roles in the United States it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
Key Skills
About Company
Toast is a restaurant point of sale and management system that helps restaurants improve operations, increase sales and create a better guest experience.
