Hire(d) better.
Hire(d) better.
Hire(d) better.
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.
Toast Capital provides fast, flexible funding to restaurants on the Toast platform, using Toast’s rich operational and transaction data to deliver financing aligned with how restaurants actually run. As Toast Capital scales, we are modernizing credit risk through better analytics, automation, and AI-enabled workflows.
Bready* to make a change?
The Fintech Risk team drives risk informed growth for Toast’s rapidly expanding Fintech business. We are seeking a Lead Credit Risk Strategist focused on the acquisition space. You will analyze customer characteristics, identify risk differentiators, and recommend underwriting strategies that meet our risk and return goals and you will build the AI-enabled tooling that lets a small team run that strategy at scale. If you have an analytic and data driven mindset, an eye for detail, curiosity about AI and automation, and a can-do attitude, this role is for you.
About this roll* (Responsibilities)
Do you have the right ingredients*? (Requirements)
AI at Toast
At Toast, one of our company values is that 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 Total Rewards Philosophy
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. Learn more about our benefits at https://careers.toasttab.com/toast-benefits.
The 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.
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. We ask that you complete interviews and assessments on your own, without real-time AI tools, recording, or transcription bots, unless we tell you otherwise in advance. To learn more: https://careers.toasttab.com/ai-in-hiring
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: https://careers.toasttab.com/locations-toast
People Are the Secret Ingredient in Our Recipe for Success
At Toast, our employees are our secret ingredient—when they thrive, we thrive. 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.
Apply 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 [email protected].
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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.
Will AI replace this role?
Check AI displacement risk, transferable skills, and career alternatives for Lead Credit Risk Analyst
The salary range for the Lead Credit Risk Analyst position at Toast is USD 105k+/yr.
The Lead Credit Risk Analyst position at Toast is based in Remote; Remote - USA. This is a remote position.
The Lead Credit Risk Analyst position at Toast requires 5+ yrs exp.
Key skills for the Lead Credit Risk Analyst position at Toast include: large language models, sql, python.