Lead Risk Analyst

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
• Strong foundation in financial modeling and credit ratio analysis
• Proficiency in querying and analyzing data using SQL, Python, and platforms like Hex and Snowflake
• Experience working with BI tools such as Looker, Tableau, or similar
• Demonstrated ability to make independent, data-backed underwriting decisions

AI at Toast

At Toast, one of our company values is that we're hungry to build and learn. We believe learning new AI tools empowers us to build for our customers faster, more independently, and with higher quality. We provide these tools across all 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 thrive here are those who embrace changes that let us build more for our customers; it’s a core part of our culture.

Our Total Rewards Philosophy

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/toast-benefits.