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33 Toast Jobs
Senior Manager, Credit Risk
Toast
posted 4hr ago
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Flexible timing
Key skills for the job
Job Description
Now, more than ever, the Toast team is committed to our customers
Were taking steps to help restaurants navigate these unprecedented times with technology, resources, and community
Our focus is on building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love
And because our technology is purpose-built for restaurants, by restaurant people, restaurants can trust that well deliver on their needs for today while investing in experiences that will power their restaurant of the future
Breadyto make a change
The Fintech Risk team at Toast is responsible for driving risk-informed growth for the rapidly expanding Toast Fintech line of business
Whether it is enhancing our strategy and processes, sharpening our policies or identifying new products for our merchants, the risk team is an integral part of charting the path for the business
The Sr
Manager, Credit Risk, is a high-profile role that will serve as the leader for our Credit Risk functions in Bangalore, mentoring and managing a growing and hungry team of analysts who conduct portfolio management, acquisition and CECL analysis
We are looking for a professional that is passionate about building risk-right products and excited to evangelize what it means to work in Credit Risk at Toast
The Sr
Manager, Credit Risk, will work with a broad cross-functional team to lead the development and execution of portfolio risk strategies for Toast's lending portfolio
This pivotal role will require intellectual curiosity and analytical acumen to enhance our understanding of risk, deliver new visualizations and reporting to help inform risk-right growth decisions and foster innovation in how Toasts lending business goes to market
About this roll(Responsibilities)
Portfolio Risk Strategy: Define, implement, and continuously improve the portfolio risk management strategy, ensuring alignment with company appetite
Risk Reporting and Monitoring: Develop and maintain a comprehensive and timely reporting framework to provide risk visibility to management, ensuring that risk and return are optimized and in line with company goals
Emerging Risk Identification and Mitigation: Proactively identify emerging risks and propose data-driven mitigation solutions to minimize potential losses and optimize returns
CECL Reporting: Oversee the monthly CECL calculations and reporting process, collaborating closely with accounting and strategic finance teams to ensure the robustness of methodology and accuracy of loss reserve calculations
Cross-Functional Collaboration: Foster strong partnerships with Product Management, Operations, Engineering, Data Science, Accounting, and Strategic Finance teams, driving alignment and facilitating data-driven decision-making
Team Leadership: Mentor and coach a team of high-performing credit risk analysts, fostering their professional growth and development
Risk Culture Advocacy: Promote a culture of risk awareness and excellence within the broader Fintech Risk team in India, providing leadership presence and guidance
Policy Management: Maintain and update credit risk policy documents and procedures, ensuring compliance with regulatory requirements and industry best practices
Do you have the right ingredients*(Requirements)
8+ years of experience in consumer or small business lending in a quantitative risk strategy role, preferably in Fintech
At least 3 years of experience in managing a team
Quantitative degree (Mathematics / Statistics / Economics / Operations Research) preferred, Masters Degree or MBA a plus
Proficiency in SQL and Python/R, with experience in data visualization tools such as Hex/ Tableau/Looker/Sigma
Strong understanding of Corporate Finance and US GAAP Accounting principles, including CECL
Exceptional written and verbal communication skills, with the ability to effectively convey complex ideas to both technical and non-technical audiences
An inquisitive nature, with a passion for exploring variances, understanding root causes, and driving data-driven decision-making
Proven ability to navigate a cross-functional, non-hierarchical environment, fostering collaboration and driving alignment across teams
Employment Type: Full Time, Permanent
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What people at Toast are saying
Senior Manager salary at Toast
reported by
4
employees
with 10-16
years exp.
₹41.5
L/yr - ₹85
L/yr
166%
more
than the average Senior Manager Salary in India
View more details
What Toast employees are saying about work life
based on 28 employees
Flexible timing
Monday to Friday
No travel
Night Shift
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