Vacancy description
Toast
India, Bengaluru
SENIOR CREDIT RISK ANALYST - FINTECH in Bengaluru, India is listed on Jobeax. Browse 30,000+ vacancies available.
Credit Risk Senior Analyst
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.
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 portfolio risk management space. You will partner with cross-functional analysts and senior leadership to decode complex portfolio risk trends, refine our loss forecasting models, develop and oversee line management strategies for credit cards and other revolving products, and build the early-warning defenses that allow us to stay resilient under stress and profitable in any market cycle. If you have an analytic and data driven mindset, eye for detail and can-do attitude then you are right for this position.
Oversee the monthly CECL calculations and reporting process, collaborating closely with accounting and strategic finance teams to ensure the robustness of methodology and accuracy of loss reserve calculations.
Develop loss projection and expected loss estimation methodologies for revolving products (e.g. credit card).
Portfolio Risk Strategy : Define, implement, and continuously improve the portfolio risk management strategy (including collections), ensuring alignment with company appetite.
Risk Reporting and Monitoring : Develop and maintain a comprehensive and timely reporting framework to provide risk visibility to management, ensuring that risk and return are optimized and in line with company goals. Emerging Risk Identification and Mitigation : Proactively identify emerging risks and propose data-driven mitigation solutions to minimize potential losses and optimize returns.
Foster strong partnerships with Product Management, Operations, Engineering, Data Science, Accounting, and Strategic Finance teams, driving alignment and facilitating data-driven decision-making.
Policy Management : Maintain and update CECL methodology documents and procedures, ensuring compliance with regulatory and audit requirements.
Data enhancement and enrichment: Work with product and engineering to make sure that right data is in the pipelines for reporting and analytics
5+ years of experience in consumer or small business lending in a quantitative risk strategy / analytics role, with hands-on experience in loss forecasting and expected loss estimation.
We believe learning new AI tools empowers us to build for our customers faster, more independently, and with higher quality. 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 package goes beyond great earnings potential and provides the means to a healthy lifestyle with the flexibility to meet Toasters’ changing needs. Our Approach to Hybrid Working
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 hospitality community, regardless of location. Please visit the Locations page on our career site to learn more about our in-office expectations by region: The restaurant industry brings together people with a wide range of backgrounds, experiences, and perspectives, and we value that same breadth at Toast. We strive to build a culture grounded in authenticity, respect, and humility, where every Toaster has a real opportunity to grow, contribute, and do their best work—raising the bar in delivering exceptional experiences for our customers and each other.
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. 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 View email address on https://jobeax.com/link/XDEtRhuNx1ajYkwB employer who violates this law shall be subject to criminal penalties and civil liability.
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