Toast: Credit Risk Senior Analyst - CECL Reporting, Loss Forecasting — Bangalore

About Toast

Toast develops technology for the restaurant industry. Its cloud-based point-of-sale platform combines terminals, handheld devices, payment processing and integrated management tools for menus, orders and staff used in foodservice operations, alongside tools for online ordering and marketing. Restaurants run front-of-house and back-of-house workflows on Toast's software and hardware, and its employer feed covers engineering, sales and support roles for the restaurant platform.

The position and its setting

Toast lists Credit Risk Senior Analyst - CECL Reporting, Loss Forecasting in Bangalore, under reference 7519051. The details below separate the work described by the employer from essential conditions, preferred experience and practical preparation advice.

• Department: G & A : Fintech Risk
• Employer listing date: 8 January 2026

Responsibilities and work described

• 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
• Loss Forecasting: Refine existing loss forecasting models / methodologies which feed into monthly CECL calculations, to improve the overall accuracy and stability of forecasts
• Development: loss projection and expected loss estimation methodologies for revolving products (e.g. credit card)
• Portfolio Risk Strategy: Define, implement, and continuously improve the portfolio risk management strategy (including collections), 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
• Define and monitor key KPIs
• Emerging Risk Identification and Mitigation: Proactively identify emerging risks and propose data-driven mitigation solutions to minimize potential losses and optimize returns
• Cross-Functional Collaboration: Foster partnerships with Product Management, Operations, Engineering, Data Science, Accounting, and Strategic Finance teams, driving alignment and facilitating data-driven decision-making
• Policy Management: Maintain and update CECL methodology documents and procedures, ensuring compliance with regulatory and audit requirements
• Data enhancement and enrichment: Work with product and engineering to make sure that right data is in the pipelines for reporting and analytics

Essential requirements and candidate background

• 5+ years of experience in consumer or small business lending in a quantitative risk strategy / analytics role, with hands-on experience in loss forecasting and expected loss estimation
• Proficiency: SQL and Python/R, with experience in data visualization tools such as Hex/ Tableau/Looker/Sigma
• 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
• Ability to navigate a cross-functional, non-hierarchical environment, fostering collaboration and driving alignment across teams
• Highly analytical bent of mind and ability to solve complex problems
• Experience: working in credit cards, term loan products
• Bachelors degree is mandatory
• AI at Toast
• At Toast, one of our company values is that 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

Education and qualification routes

• Degree / qualification: Quantitative degree (Mathematics/Statistics/Economics/Operations Research) preferred, Masters Degree or MBA a plus

Location, schedule and contract conditions

• We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs
• Our goal is to build a culture of connection as we work together to empower the hospitality community, regardless of location
• Please visit the Locations page on our career site to learn more about our in-office expectations by region: https://careers.toasttab.com/locations-toast
• Advertised location: Bangalore

Benefits mentioned by the employer

• 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
• 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
• We ask that you complete interviews and assessments on your own, without real-time AI tools, recording, or transcription bots, unless we tell you otherwise in advance
• To learn more: https://careers.toasttab.com/ai-in-hiring
• Our Approach to Hybrid Working
• People Are the Secret Ingredient in Our Recipe for Success
• At Toast, our employees are our secret ingredient—when they thrive, we thrive

Pay and application dates

A verified salary figure is not established in this article. An online estimate for another Credit Risk Senior Analyst - CECL Reporting, Loss Forecasting vacancy is not an offer for reference 7519051; use the employer’s own pay disclosure and recruitment communication.

A closing date is not confirmed in this article. Check the current employer page before submitting: an undated posting can change or be withdrawn.

How to apply to Toast

Applications follow the official employer page linked below.

Open the official Toast posting below and match the title and reference 7519051.

Compare your qualifications and experience with the essential conditions for the Bangalore position, then read the preferred criteria separately.

Prepare an accurate CV and the supporting items requested in that employer’s application. Provide only information and documents you are authorised to share.

Use the employer’s application option, complete the required fields and review the submission. Retain the acknowledgement when one is provided. Job Alerts World does not receive the application.

Practical preparation: Python

Python work is easier to assess through a concrete example than a list of libraries. Explain the problem, the input data, the parts you implemented and how you checked the output. Include a repository or a short technical note when you can share it.

Relevant skills

• Python
• R
• SQL
• AI/ML
• Tableau
• AI
• audit
• accounting
• risk management
• compliance