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.

Toast Capital provides fast, flexible funding to restaurants and hospitality businesses on the Toast platform. By leveraging Toast’s rich operational and transaction data, Toast Capital delivers financing that is aligned with how restaurants actually run.

As Toast Capital scales, we are investing in modernizing our credit risk organization through better analytics, automation, and AI-enabled workflows. Our goal is to empower risk analysts with tools that improve decision quality, reduce manual work, and allow the team to scale efficiently.

The Fintech Risk team at Toast is accelerating the adoption of AI to transform how we operate. We are seeking a Lead Analyst to design and deploy intelligent, AI-powered workflows for Toast Capital’s credit risk function.

This role sits at the intersection of credit risk, analytics, and applied AI. You will identify opportunities to improve underwriting, portfolio monitoring, and risk operations by designing and implementing internal AI tools such as copilots, assistants, and automated analytical workflows. The ideal candidate combines strong credit risk intuition, analytical problem-solving, and technical curiosity about AI tools and automation. You should be excited about turning manual analytical processes into scalable systems that allow risk teams to operate faster and more consistently.

A day in the life (Responsibilities)

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

What you'll need to thrive (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 (Looker/Tableau/Hex or similar)

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

AI at Toast

At Toast 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 Spread* of Total RewardsWe 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.

The base salary range for this role is listed below. The starting salary will be determined based on skills, experience, and geographic location. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions if eligible), equity, and benefits. You can learn more about how we align pay with local labor markets in our Geographic Pay Zone Philosophy.

Zone A

$105,000—$168,000 USD

Zone B

$91,000—$146,000 USD

Zone C

$82,000—$131,000 USD

How Toast Uses AI in its Hiring Process

Throughout the hiring process, our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking, summarization, and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people.

Diversity, Equity, and Inclusion is Baked into our Recipe for Success

At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry is one of the most diverse, and we embrace that diversity with authenticity, inclusivity, respect, and humility. By embedding these principles into our culture and design, we create equitable opportunities for all and raise the bar in delivering exceptional experiences.

We Thrive Together

We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong culture of connection as we work together to empower the restaurant community. To learn more about how we work globally and regionally, check out: https://careers.toasttab.com/locations-toast.

Apply today!

Toast is committed to creating an accessible and inclusive hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you need an accommodation to access the job application or interview process, please contact candidateaccommodations@toasttab.com.

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For roles in the United States, it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Credit Risk Analytics & AI Enablement Lead

Job Description