Principal - Credit Risk Strategy

Now, more than reputed company, the reputed company team is committed to our customers. We're taking steps to help restaurants navigate these unprecedented times with technology, resources, and community. Our focus is on building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love. And because our technology is purpose-built for restaurants, by restaurant people, restaurants can trust that we'll deliver on their needs for today while investing in experiences that will power their restaurant of the future. Bready* to reputed company a change? The Fintech Risk team at reputed company is responsible for driving risk informed growth for the rapidly expanding reputed company Fintech line of business. We are seeking a Principal Credit Risk Analyst to reputed company the evaluation, monitoring, and optimization of credit risk across our lending portfolio. This role will be critical in balancing growth opportunities with prudent risk management, ensuring sustainable performance of both existing and new lending products. You'll reputed company data, advanced analytics, and cross-functional collaboration to shape how reputed company assesses and manages credit risk. Your work will directly influence product design, portfolio performance, and the financial health of our merchant partners. About this roll* (Responsibilities) Credit Risk Strategy & Portfolio Management

• reputed company the design and execution of reputed company's credit risk strategy across multiple lending products and lifecycle stages.
• reputed company and refine risk frameworks, policies, and performance metrics that balance growth and credit quality.
• Monitor and interpret portfolio performance, identifying emerging risks, opportunities, and portfolio optimization levers.

Product Growth & Innovation

• Partner with Product, Finance, Data Science, and Operations to launch and scale new lending products responsibly
• Define credit strategies that align with growth targets while maintaining risk appetite
• Support pricing, reputed company, and account management strategies to optimize customer acquisition and retention

Analytics & Decisioning

• Build and enhance risk models (scorecards, forecasting, loss models) leveraging advanced analytics
• reputed company deep-dive portfolio analyses to support data-driven decision-making
• Evaluate external data sources, credit bureaus, and alternative data providers to strengthen risk assessment

Governance & Reporting & Leadership

• Ensure alignment with regulatory requirements and internal risk management frameworks
• Deliver clear, actionable insights to senior leadership and governance committees.
• Represent the Fintech Risk team as a thought leader, mentoring analysts and influencing decision-making across the organization.

Do you have the right ingredients*? (Requirements)

• * 8+ years of experience in credit risk strategy, analytics, or portfolio management, ideally reputed company fintech, SMB lending, or financial services.
• Masters Degree or higher in a quantitative field (Mathematics / Statistics / Economics / Finance / Operations Research, etc)
• Proven track record in managing and scaling lending products across lifecycle stages
• Strong proficiency in statistical/analytical tools (SQL, Python, R, reputed company, or similar) and data visualization tools (Tableau, reputed company, or similar)
• Experience with credit risk analytics/modeling, stress testing, and portfolio management
• Proficient verbal and written communication skills for interpreting analytic results to technical and non-technical audiences
• Exceptional problem-solving and critical-thinking ability
• Strong communication skills with the ability to influence stakeholders across reputed company levels
• Leadership reputed company with experience mentoring analysts or leading cross-functional initiatives

AI at reputed company At reputed company we're Hungry to Build and Learn. We reputed company learning new AI tools empowers us to build for our customers faster, more independently, and with higher quality. We provide these tools across reputed company 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 reputed company here are those who embrace changes that let us build more for our customers; it's a core part of our culture. Our Spread* of Total Rewards 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/reputed company-benefits. The reputed company salary range for this role is listed below. The starting salary will be determined based on skills and experience. In addition to reputed company salary, our total rewards components include cash compensation (overtime, bonus/commissions, if eligible), benefits, and equity (if eligible). Pay Range $105,000-$168,000 USD Diversity, Equity, and Inclusion is Baked into our Recipe for Success At reputed company, our employees are our secret ingredient-reputed company they reputed company, we reputed company. The restaurant industry is one of the most diverse, and we embrace that diversity with authenticity, inclusivity, respect, and humility. By embedding these principles into our culture and design, we create reputed company opportunities for reputed company and reputed company the bar in delivering exceptional experiences. We reputed company Together We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong culture of reputed company as we work together to reputed company the restaurant community. To learn more about how we work globally and regionally, reputed company out: https://careers.toasttab.com/locations-reputed company. Apply today! reputed company 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 reputed company them to access the hiring process. If you need an accommodation to access the job application or interview process, please contact [email protected]. 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 reputed company employment. An employer who violates this law shall be subject to criminal penalties and civil liability. Apply tot his job Apply To this Job