Digital Volunteer Engagement Manager
Movement Labs
Senior Manager, Credit Risk – New Initiatives
Toast
full-time
Posted on:
Location Type: Remote
Location: Remote • 🇺🇸 United States
Visit company websiteSalary
💰 $131,000 - $210,000 per year
Job Level
Senior
Tech Stack
PythonSQL
About the role
- Develop and execute credit risk strategies for new products and initiatives, ensuring alignment with Toast's growth goals and risk appetite
- Design and refine underwriting standards, credit policies, and monitoring frameworks that support expansion into new customer segments and offerings
- Champion innovation in risk assessment methodologies, leveraging advanced analytics and emerging tools
- Lead, mentor, and develop a growing team of credit risk analysts, building expertise in underwriting, portfolio analytics, and policy design
- Foster a culture of collaboration, curiosity, and continuous improvement
- Attract and retain top credit risk talent
- Monitor portfolio performance, delinquency trends, and emerging risks across both existing and new initiatives
- Partner with Data Science to design and implement models, scorecards, and early warning systems
- Conduct stress testing, scenario analysis, and deep-dive reviews to guide business decisions
- Collaborate with Product, Finance, Operations, Engineering, and Compliance to design scalable, risk-managed lending products
- Translate complex risk insights into actionable recommendations for senior leadership
- Ensure new products and processes meet regulatory and compliance standards
- Drive adoption of advanced analytics, machine learning, and automation in credit decisioning and monitoring
- Stay ahead of industry trends to inform strategy and execution for next-generation risk management
Requirements
- 8-10 years of experience in credit risk management, ideally with exposure to consumer or small business lending
- 3-5 years of team leadership experience in a fast-paced, growth-oriented environment
- Strong understanding of credit risk frameworks, underwriting, and portfolio management
- Proven experience supporting the launch and scaling of new lending products
- Proficiency with analytical tools (e.g., SQL, Python, R) and risk modeling techniques
- Strong strategic thinking and problem-solving skills, with a data-driven mindset
- Excellent communication skills with the ability to influence cross-functional stakeholders and executive leadership
- Experience in fintech, payments, or innovative lending products is highly desirable
- Ability to work core EST hours
Benefits
- Competitive compensation and benefits programs
- Health insurance
- Retirement plans
- Paid time off
- Flexible work arrangements
- Professional development opportunities
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
credit risk managementunderwritingportfolio managementrisk modelingadvanced analyticsmachine learningautomationstress testingscenario analysisdata-driven decision making
Soft skills
team leadershipstrategic thinkingproblem-solvingcommunicationinfluencingcollaborationcuriositycontinuous improvementmentoringtalent retention
