Principal Toxicologist – Health Scientist – Risk Assessor
GSI Environmental Inc.
Principal Portfolio Risk Analyst
Toast
full-time
Posted on:
Location: Massachusetts • 🇺🇸 United States
Visit company websiteSalary
💰 $105,000 - $168,000 per year
Job Level
Lead
Tech Stack
PythonSQLTableau
About the role
- Develop and refine credit risk policies and frameworks to ensure the health of the lending portfolio
- Monitor portfolio performance and provide insights on emerging risks, trends, and opportunities
- Partner with Product, Finance, Data Science, and Operations to launch and scale new lending products responsibly
- Define credit strategies that align with growth targets while maintaining risk appetite
- Support pricing, underwriting, and account management strategies to optimize customer acquisition and retention
- Build and enhance risk models (scorecards, forecasting, loss models) leveraging advanced analytics
- Perform deep-dive portfolio analyses to support data-driven decision-making
- Evaluate external data sources, credit bureaus, and alternative data providers to strengthen risk assessment
- Ensure alignment with regulatory requirements and internal risk management frameworks
- Provide clear documentation and reporting to senior leadership and stakeholders
- Represent credit risk in cross-functional governance forums and committees
Requirements
- 8+ years of experience in a credit risk strategy and analytics role preferably in financial services or fintech
- Masters Degree or higher in a quantitative field (Mathematics / Statistics / Economics / Finance / Operations Research, etc)
- Proven track record in managing and scaling lending products across lifecycle stages
- Strong proficiency in statistical/analytical tools (SQL, Python, R, SAS, or similar) and data visualization tools (Tableau, Hex, or similar)
- Experience with credit risk analytics/modeling, stress testing, and portfolio management
- Proficient verbal and written communication skills for interpreting analytic results to technical and non-technical audiences
- Exceptional problem-solving and critical-thinking ability
- Strong communication skills with the ability to influence stakeholders across all levels
- Leadership presence with experience mentoring analysts or leading cross-functional initiatives
