Credit Risk Analyst

| Greater Boston Area

Toast Overview:

We are a rapidly growing company that’s revolutionizing the way the restaurant industry does business by pairing technology with an unrivaled 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. As a Toaster, you will be challenged to take on meaningful projects that will help shape the future of the company. Join us as we empower the restaurant community to delight guests, do what they love, and thrive.

Job Overview:

Toast is looking for a Credit Risk Analyst to join the rapidly growing Toast Capital team and bring a data-driven approach to credit risk management. This individual will work across data science, business intelligence, product, finance and accounting and have direct exposure to senior leadership. The Analyst will develop strategies, dashboards and models to enable real-time visibility into portfolio risk. The Analyst’s work will help all Toast Capital Stakeholder’s to better understand portfolio performance and inform the development strategies and models to extend credit to our trusted restaurant partners while provide results that exceed our investors’ expectations.

This role will require an understanding of small business credit attributes, acquisition funnel dynamics, underwriting strategy and credit performance metrics. This individual will be a self-starter who is able to effectively translate data into actionable recommendations.

What you will do:

  • Analyze marketing funnel, funding and credit performance data to develop new insights that lead to improved risk management, profitability, and customer experience outcomes
  • Develop and interpret reports to monitor risk strategy performance and recommend adjustments
  • Work closely with credit leadership to design tests to measure potential business enhancements, analyze results, and drive adoption based on strategic impact
  • Work collaboratively with Product, Business Intelligence, Data Science, Strategic Finance, and Technology teams to develop and implement new risk management capabilities and refine existing ones
  • Be an organizational expert on tracking tools; educate and evangelize a data-driven approach throughout the user experience
  • Perform ad-hoc data studies based on requirements from management
  • Work with the Toast Capital Management team to support decisions with data

Do you have the right ingredients?

  • Bachelor's degree
  • Excellent business judgment and risk assessment as demonstrated by previous work or academic experience
  • SQL and analytic programming skills (R, Python, Excel), willingness to work with large data sets and get into the details of business processes
  • Knowledge and experience with statistical concepts and financial analysis (segmentation, break-even analysis, NPV estimation, IRR and XIRR calculations)
  • Comfort in a fast-paced business-critical role that is a key contributor to Toast Capital’s continued success
  • Ability to formulate novel solutions to problems, communicate thought process clearly, and think within the context of larger business needs and targets
Read Full Job Description

Technology we use

  • Engineering
    • JavaLanguages
    • JavascriptLanguages
    • jQueryLibraries
    • AngularjsLibraries
    • ES6Libraries

Location

Toast is headquartered in the heart of Fenway. Catch a Sox game, grab a bite, and stroll through one of the trendiest neighborhoods in Boston.

An Insider's view of Toast

What’s the vibe like in the office?

Our office has both a relaxed but productive vibe. You'll see people with their heads down working, but you'll also see people hanging out and collaborating in open spaces. There's a good balance between work and play. When I'm not heads down coding, you'll find me playing guitar or hanging out in the Toast Pub.

Gabe Gonzalez

Software Engineer

How has your career grown since starting at the company?

I began as an implementation engineer, moved into instructional design, and now I am in my dream role as a product manager. This is afforded because Toast fosters a culture where experts in their domains are eager to give you a masterclass in what they do – you only need to ask and be willing to learn. This is the best perk when working at Toast.

Sean Park

Product Manager

What are Toast Perks + Benefits

Toast Benefits Overview

Toast strives to provide competitive compensation and benefits programs that help to attract, retain and motivate the best and brightest people in our industry. Our total reward package goes beyond great earnings potential and provides the means to a healthy lifestyle with the flexibility to meet our employees’ changing needs.

Culture
Volunteer in local community
Partners with Nonprofits
Friends outside of work
Eat lunch together
Intracompany committees
Daily stand up
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Open office floor plan
Diversity
Dedicated Diversity/Inclusion Staff
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Team workouts
Retirement & Stock Options Benefits
401(K)
401(K) Matching
Company Equity
Performance Bonus
Child Care & Parental Leave Benefits
Generous Parental Leave
Flexible Work Schedule
Family Medical Leave
Company sponsored family events
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Volunteer Time
Paid Holidays
Paid Sick Days
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Company Outings
Stocked Kitchen
Happy Hours
Parking
Recreational Clubs
Fitness Subsidies
Professional Development Benefits
Job Training & Conferences
Diversity Program
Lunch and learns
Cross functional training encouraged
Promote from within
Mentorship program
Time allotted for learning
More Jobs at Toast98 open jobs
All Jobs
Finance
Data + Analytics
Design + UX
Dev + Engineer
HR
Internships
Legal
Marketing
Operations
Product
Project Mgmt
Sales
Content
Developer
new
Boston
Marketing
new
Boston
Operations
new
Boston
Design + UX
new
Boston
Operations
new
Boston
Marketing
new
Boston
Design + UX
new
Boston
Marketing
new
Boston
Data + Analytics
new
Boston
Design + UX
new
Boston
Finance
new
Boston
new
Boston
Marketing
new
Boston
Internships
new
Boston
Data + Analytics
new
Boston
Developer
new
Boston
Marketing
new
Boston
HR
new
Boston
Design + UX
new
Boston
Developer
new
Boston
Developer
new
Boston
Operations
new
Boston
Data + Analytics
new
Boston
Data + Analytics
new
Boston
Project Mgmt
new
Boston
Operations
new
Boston
Developer
new
Boston
Finance
new
Boston
Finance
new
Boston
Operations
new
Boston
Finance
new
Boston
Finance
new
Boston
Finance
new
Boston
Data + Analytics
new
Boston
Finance
new
Boston
Design + UX
new
Boston
Data + Analytics
new
Boston
Product
new
Boston
Marketing
new
Boston
Design + UX
new
Boston
Project Mgmt
new
Boston
Project Mgmt
new
Boston
Data + Analytics
new
Boston
Developer
new
Boston
Project Mgmt
new
Boston
Data + Analytics
new
Boston
Content
new
Boston
Design + UX
new
Boston
Finance
new
Boston