Toast
Lead Credit Risk Analyst
$82K–$168K
Remote +1 · Remote · Full-time · Posted Sep 23, 2026
- Location
- Remote
Remote - USA - Experience
- 5+ years in retail/consumer/SMB credit risk or strategy; preferably in fintech or banking. Past experience in growing a lending business and hands-on credit strategy experience are required.
- Education
- Masters Degree or higher in a quantitative field (Mathematics/Statistics/Economics/OR/Business)
About the job
Develop and scale acquisition credit risk strategies for Toast Capital lending products using analytics, experimentation, and AI-enabled workflows.
What you'll do
- Develop and refine credit strategies, monitor portfolio performance, and recommend policy changes to balance risk and growth.
- Partner with Data Science on credit models; design policy and pricing experiments and support profitability analysis.
- Build AI-enabled workflows and copilots to automate analysis and surface risk signals, with human oversight.
What they ask for
- 5+ years in retail/consumer/SMB credit risk or strategy; hands-on credit strategy experience and experience growing a lending business are required.
- Experience writing credit memos and credit decision and strategy documentation.
- Experience applying AI or LLM tools to analytical workflows, operational processes, or decision support.
- Advanced SQL and Python/R; working knowledge of model governance, explainability, and fair lending in automated credit decisioning.
Pay
$105,000 — $168,000 USD (base salary); $91,000 — $146,000 USD (base salary); $82,000 — $131,000 USD (base salary)
Tools
SQL, Python/R, Looker, Tableau, Hex
AI focus
Build AI-enabled workflows and copilots to automate recurring analysis, summarize merchant performance, and surface risk signals, anchored to deterministic metrics with human oversight on every decision.
Model-written summary · the original posting is authoritative