Senior AI-Driven Credit Risk Leader

Toast; United States; Hybrid; USD 90,000 - 168,000; Full time

Job summary

Toast Capital is seeking a senior credit risk professional to shape and refine risk strategy for new and existing lending products. You will partner with Data Science and Engineering to build, test, and monitor AI-enabled decisioning models, balancing risk and growth across a growing portfolio.

You will analyze portfolios, run experiments, and support risk-based pricing while collaborating across Risk, Product, and Operations.

Qualifications

• 5+ years in retail/consumer/SMB credit risk or strategy.
• Experience growing a lending business and hands on experience in credit strategy is required.
• Ability and experience in writing credit memos and credit decision and strategy documentation.
• Experience applying AI or LLM tools to improve analytical workflows, operational processes, or decision support.
• Working knowledge of model governance, explainability and fair lending in automated credit decisioning.

Responsibilities

• Work with the leadership team to develop and refine credit risk strategy for new and existing lending products
• Identify risk drivers and recommend policy changes that balance risk and growth
• Partner with Data Science to build, test and monitor credit risk and decision models
• Perform portfolio analysis to monitor credit performance, emerging trends, and opportunities to expand or tighten strategy
• Design and execute A/B tests and champion-challenger experiments for policy, pricing and strategy changes
• Support risk based pricing and profitability analysis to improve risk-return outcomes
• Build AI-enabled workflows and copilots that automate recurring analysis, summarize merchant performance, and surface risk signals, anchored to deterministic metrics with human oversight on every decision
• Collaborate with R+D, Product, Engineering, Data Science and Operations to launch new products, features, and AI-enabled workflows

Skills

Credit risk analysis

AI/ML for decisioning

Data analysis

Stakeholder communication

Education

Masters Degree in Mathematics/Statistics/Economics/OR/Business

Tools

SQL

Python

R

Looker/Tableau/Hex

Job description

Toast Capital is seeking a senior credit risk professional to shape and refine risk strategy for new and existing lending products. You will partner with Data Science and Engineering to build, test, and monitor AI-enabled decisioning models, balancing risk and growth across a growing portfolio.

You will analyze portfolios, run experiments, and support risk-based pricing while collaborating across Risk, Product, and Operations.