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
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📌 Lead Credit Underwriter (Bengaluru)
🏢 Toast
📍 Bengaluru