Toast: Manager of Credit Risk Strategy
401 Park Drive
Boston, MA 02215

Employee Testimonials

Maura Grimes Toast
Edmund Korley Toast
Kendal Austin Toast

Office Tour Photos


Toast Overview:

We are a rapidly growing company thats 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 high performing analytically minded professional to help lead credit and risk strategy for Toast Capital. Toast Capital is a wholly owned subsidiary of Toast, Inc. that offers Toasts restaurant partners fast and flexible financing for any business need. The ideal candidate will have a highly analytical skill-set and be able to work with both data science and business professionals to deliver meaningful insights into portfolio performance.

What you will do:

  • Design and manage all risk and portfolio management functions for Toast Capital including new product offerings; credit cards, lines of credit, term loans, etc.
  • Coordinate across Data Science, Business Intelligence, Legal, and Compliance to interpret, update, and maintain key credit policies and procedures
  • Oversee the development and design of key dashboards and manage risk metrics to provide visibility to all stakeholders
  • Review and manage all Toast Capital portfolio risk on a daily basis
  • Report key portfolio health metrics to Toast Capital stakeholders and inform strategic growth strategies based on portfolio analysis

Do you have the right ingredients?

  • Bachelors or Masters degree with quantitative focus (e.g. Economics, Finance, Mathematics, Statistics, Engineering, Physics, etc.)
  • 5+ years of experience working in a Credit Risk role that drives business decisions through analytics
  • Expertise in core credit risk functions, such as underwriting analysis, loss forecasting, monitoring, and credit risk policies
  • Strong written and verbal communication skills to effectively communicate with both technical and business professionals
  • Familiarity with data manipulation techniques and pros / cons to different statistical methods of analysis
  • Ability to not only interpret data but leverage innovative thinking to hypothesize, design tests, create new data and deploy data science or statistical methods
  • Comfort in a fast-paced business-critical role

Bonus ingredients:

  • Experience with languages that facilitate data gathering, manipulation, and data science (SQL, Python, R, SAS, Tableau, Looker, etc.)
  • Advanced Excel skills, including familiarity with power query, pivot-tables, macros, and other techniques
  • An ability to mentor data science and data analytics teams
  • Prior experience in credit risk and portfolio strategy with short duration MCA/SMB Loan products; in-depth knowledge of credit risk models
  • Prior experience designing partnerships and managing relationships with third party data vendors

Employee Testimonials

Maura Grimes Toast
Maura Grimes
Field Service Coordinator

"Ahh toast is awesome! The people, the culture, the bouncy balls, the crazy customers, the killer POS system, and the incredible talent floating through the air. "

Edmund Korley Toast
Edmund Korley
Software Engineer

"I've been participating in the Toast2Toast mentoring project. As a relatively new engineer at Toast, getting the opportunity to discuss technical (and other) topics with a mentor has been really valuable."

Kendal Austin Toast
Kendal Austin
Sr. Marketing Manager

"I have a degree in Marketing Communications and have worked in B2B technology my entire career. My background ranges from social media to paid programs to product marketing. I heard about Toast from a mentor and was connected with the co-founder on LinkedIn. As the second Marketing hire at Toast, I've had the opportunity to be a generalist as well as a specialist, moving where I was needed as the team grew."

Archie Grace Toast
Archie Grace
Engineering Manager

"I looked at a lot of start-ups during my last job search and Toast was by far the most exciting. It was instantly obvious to me how the product is useful to people and why someone might want to buy it. The proof of that has been in the way we have grown and the excitement we have already generated. However, what really excites me about the company is that I feel like we are just scratching the surface in terms of what we can accomplish. There are SO many untapped opportunities around our product and as we continue to grow, I am excited about being able to explore them more.​"