Lead Risk Analyst

Responsibilities

• Review financial statements (P&L, balance sheet, cash flow) to evaluate the creditworthiness of counterparties in retail sector
• Calculate and interpret key ratios such as leverage, liquidity, and coverage to assess financial risk
• Write clear, concise credit memos with risk assessments and approval recommendations
• Determine reserve levels and set exposure limits based on the financial profile and risk tolerance
• Monitor counterparties for changes in financial health, operating metrics, or market signals
• Research and analyze existing debt obligations using public records, credit reports, or proprietary tools
• Identify and escalate key risk indicators to the Credit Committee, with supporting data and rationale
• Build and maintain monitoring frameworks tailored to different merchant risk profiles and business models
• Define and configure alerting mechanisms for early detection of deteriorating credit quality
• Use SQL, Python, and business intelligence tools (e.g., Looker, Hex) to query and analyze risk data
• Work with Snowflake-based data environments to extract insights and develop risk dashboards
• Collaborate with data, finance, product and engineering teams to improve underwriting efficiency and transparency
• Stay up to date on macro trends, industry developments, and emerging credit risks across sectors

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Data Science, or a related field; CFA or CPA a plus
• 5+ years of experience in credit underwriting for counterparty risk, financial analysis, risk management, with a focus on SMBs preferred
• Strong foundation in financial modeling and credit ratio analysis
• Proficiency in querying and analyzing data using SQL, Python, and platforms like Hex and Snowflake
• Experience working with BI tools such as Looker, Tableau, or similar
• Demonstrated ability to make independent, data-backed underwriting decisions
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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 jo

Benefits

Additional Information

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. A day in the life (Responsibilities)

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