Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy.

A day in the life (Responsibilities)

Key Responsibilities
- Review financial statements (P&L;, balance sheet, cash flow) to evaluate the creditworthiness of counterparties in retail sector
- Calculate and interpret key ratios such as leverage, liquidity, and coverage to assess financial risk
- Write clear, concise credit memos with risk assessments and approval recommendations
- Determine reserve levels and set exposure limits based on the financial profile and risk tolerance
- Monitor counterparties for changes in financial health, operating metrics, or market signals
- Research and analyze existing debt obligations using public records, credit reports, or proprietary tools
- Identify and escalate key risk indicators to the Credit Committee, with supporting data and rationale
- Build and maintain monitoring frameworks tailored to different merchant risk profiles and business models




- Define and configure alerting mechanisms for early detection of deteriorating credit quality
Use SQL, Python, and business intelligence tools (e.g., Looker, Hex) to query and analyze risk data
- Work with Snowflake-based data environments to extract insights and develop risk dashboards
- Collaborate with data, finance, product and engineering teams to improve underwriting efficiency and transparency
- Stay up to date on macro trends, industry developments, and emerging credit risks across sectors

Qualifications
- Bachelor's degree in Finance, Accounting, Economics, Data Science, or a related field; CFA or CPA a plus
- 5+ years of experience in credit underwriting for counterparty risk, financial analysis, risk management, with a focus on SMBs preferred
- Solid foundation in financial modeling and credit ratio analysis
- Proficiency in querying and analyzing data using SQL, Python, and platforms like

📌 Lead Credit Underwriter (Bengaluru)
🏢 Toast
📍 Bengaluru