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 transparent, 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