Credit Risk Analytics & AI Enablement Lead

1 hour, 36 minutes ago
Full-time
Senior
Artificial Intelligence and Machine Learning
Toast

Toast

Toast is an all-in-one platform for restaurants, offering tableside ordering, online ordering, and labor management to empower businesses in the food service industry.

Hotels, Restaurants & Leisure
1K-5K
Founded 2012

Description

  • Identify high-impact opportunities to improve credit risk workflows using AI across underwriting, portfolio monitoring, policy interpretation, and collections.
  • Design and deploy internal AI copilots that help analysts draft credit memos, summarize merchant performance, and interpret key risk signals.
  • Build tools that automatically generate risk narratives, portfolio commentary, and merchant-level performance summaries.
  • Partner with Engineering, Data Science, and Product to implement AI-powered tools using structured data, internal APIs, and secure LLM platforms.
  • Develop prompt frameworks and workflows that combine deterministic risk metrics with AI-generated insights while maintaining explainability and human oversight.
  • Conduct portfolio analyses to identify merchant performance trends and emerging risk signals.
  • Redesign risk processes to reduce manual work, automate recurring analysis, and increase analyst productivity.
  • Collaborate with Credit Risk, Compliance, Engineering, and Operations to responsibly deploy and scale AI-enabled workflows.

Requirements

  • 5+ years of experience applying analytics, automation, or AI to improve risk or operational workflows in fintech, financial services, or technology.
  • Experience applying AI or LLM tools to improve analytical workflows, operational processes, or decision support.
  • Strong analytical skills with the ability to translate portfolio or transactional data into actionable insights.
  • Advanced proficiency in SQL and Python.
  • Experience building dashboards or automated analytics solutions using Looker, Tableau, Hex, or similar tools.
  • Familiarity with prompt design, AI-assisted workflows, or automation frameworks integrating structured data with LLM outputs.
  • Strong communication skills and ability to influence cross-functional stakeholders across Risk, Engineering, Data Science, and Product.

Benefits

  • Competitive compensation with base salary ranging from $105,000 to $168,000 USD in Zone A, $91,000 to $146,000 USD in Zone B, and $82,000 to $131,000 USD in Zone C.
  • Total rewards package that includes cash compensation such as overtime and eligible bonus/commissions.
  • Equity as part of total compensation.
  • Benefits package designed to support a healthy lifestyle and changing employee needs.
  • Hybrid work model that supports in-person collaboration while valuing individual needs.
  • Accessible and inclusive hiring process with reasonable accommodations available for candidates with disabilities.

Interested in this position?

Apply directly on the company website

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