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.
Bready* to make a change?
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.
About this roll* (Responsibilities)
Do you have the right ingredients*? (Requirements)
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.
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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.
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We have been made aware of instances of fraudulent job postings and/or fraudulent recruiting activity by bad actors, purporting to represent Toast. These fraudulent schemes often seek monetary contributions or payments from job seekers (such as for "start up costs" or "equipment"), or seek to collect sensitive personal or banking information from job seekers. These job postings and offers are not authorized by Toast, and Toast is not responsible for fraudulent offers or requests for personal information or payments. Toast will never ask for any financial commitment or contribution from a candidate at any stage of the recruitment process. Candidates who have questions about the validity of Toast job postings or offers should consult the job postings on our careers.toasttab.com career site. If you think you've been scammed, reference this site for more info.
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