Why This Job is Featured on The SaaS Jobs
This role stands out in SaaS because it applies platform-native data to a credit product embedded inside a broader operating system. Toast Capital’s underwriting and portfolio decisions are informed by on-platform transaction and operational signals, creating a risk environment closer to product analytics than traditional financial services. The remit to modernize credit risk through automation and AI-enabled workflows reflects a wider SaaS shift toward decisioning systems that are measurable, auditable, and tightly integrated with internal tooling.
For a SaaS career, the work builds durable capabilities at the intersection of analytics engineering, applied AI, and operational design. Designing copilots and automated narratives forces rigor around explainability, human oversight, and repeatable processes, which are increasingly central as SaaS companies operationalize LLMs. The cross-functional build with Engineering, Data Science, Product, Compliance, and Risk mirrors how mature SaaS organizations ship internal platforms and scale decision quality without scaling headcount.
The role fits an experienced analyst who prefers turning ambiguous, manual workflows into structured systems and is comfortable influencing stakeholders through data and prototypes. It will suit someone who enjoys combining domain intuition with SQL and Python execution, and who sees internal tools as products with users, iteration cycles, and measurable outcomes.
The section above is editorial commentary from The SaaS Jobs, provided to help SaaS professionals understand the role in a broader industry context.
Job Description
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 Rewards
We 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.
#LI-Remote
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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