Principal Data Scientist - Fintech Lending/Capital

Key Skills

Aartificial intelligence, Apache Airflow, Continuous Integration & Continuous Delivery - CI/CD, Data science techniques, Effective communication skills, Machine learning techniques, PyTorch, Scala Programming, SPARK Programming, TensorFlow, XGBoost

Job Description

Toast is looking to expand the Data Science team to deliver new Data Science models to meet Toast Capital/Lending increased demands. As a Staff Data Scientist, you will design and develop end-to-end machine learning solutions for lending underwriting processes and risk management models. You will work with architects, engineers, product managers, and business stakeholders to solve business and customer problems and turn machine learning models into business impact across product lines.

An ideal candidate has experience building end-to-end data science solutions that create impact for the business. Experience in banking lending technology or a leading fintech company with substantial depth of expertise and knowledge in lending underwriting and risk management models is a plus.

About this Roll:

• Design, develop, and deploy advanced predictive models and analytics to assess credit risk, optimise lending growth, and improve overall portfolio performance.
• Work closely with cross-functional teams, including Risk Management, Product, Engineering, and Business Strategy, to identify opportunities for data-driven improvements and align solutions with business needs.
• Monitor and analyse the performance of existing models and strategies, identifying areas for improvement and implementing data-driven refinements as needed.
• Present complex data-driven insights and recommendations to stakeholders in a clear, concise, and actionable manner, while fostering a data-driven culture within the organisation.
• Mentor and guide junior data scientists, fostering a collaborative environment and promoting the growth and development of the data science team.
• Stay current with the latest trends and developments in data science, fintech, and credit risk management, continually exploring new methods and technologies to enhance the organisation's capabilities.

Do you have the right ingredients*?

• Advanced degree in quantitative field such as Data Science, Statistics, Mathematics, Financial Engineering or related discipline
• 10+ years of experience in data science, with a focus on credit risk modelling and lending growth strategies, preferably within the fintech lending space.
• Proficiency in machine learning, AI, and statistical modelling techniques, with a strong track record of developing and deploying successful predictive models in a business setting.
• Strong proficiency in Python and SQL and experience with data science libraries and tools such as: Spark, Scala, scikit-learn, Tensorflow, PyTorch, XGBoost etc.
• Familiarity with standard software engineering practices and tools including object-oriented programming, test-driven development, CI/CD, git, task orchestration (Airflow) and AWS tooling
• Strong understanding of credit risk management, lending practices, and regulatory requirements within the financial industry.
• Excellent communication and presentation skills, with the ability to articulate complex data-driven insights to both technical and non-technical stakeholders.
• Strong leadership skills, with experience mentoring and guiding junior data scientists
• Required to work a hybrid work model from Bangalore office (3 days of work from office)

Bonus ingredients:

• Passion for research and curiosity that calls you to go beyond “good enough” to create something innovative and exciting
• Self starter who loves to dig into different kinds of data to solve business problems and can communicate their findings to cross-functional stakeholders
• Experience in banking lending technology or a fintech company with knowledge in lending underwriting, and risk management models.

We are Toasters

Diversity, Equity, and Inclusion is Baked into our Recipe for Success.

At Toast our employees are our secret ingredient. When they are powered to succeed, Toast succeeds.

The restaurant industry is one of the most diverse industries. We embrace and are excited by this diversity, believing that only through authenticity, inclusivity, high standards of respect and trust, and leading with humility will we be able to achieve our goals.

Baking inclusive principles into our company and diversity into our design provides equitable opportunities for all and enhances our ability to be first in class in all aspects of our industry.

Bready* to make a change? 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.