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.

Responsibilities :

* CECL Reporting: 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.
* Loss Forecasting: Refine existing loss forecasting models / methodologies
which feed into monthly CECL calculations, to improve the overall accuracy
and stability of forecasts. 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 Mo

📌 Credit Risk Senior Analyst (Bengaluru)
🏢 Toast
📍 Bengaluru