Principal, Analytics & Strategy – Fraud (Embedded Finance and Capital)

Toast is driven by building the all-in-one restaurant platform that helps restaurants operate their business, increase sales, engage guests, and keep employees happy.

We are seeking a Principal Analyst to join our Fraud Strategy & Analytics team to define the risk strategy for Embedded Finance & Capital products. This highly strategic and analytical role will be central to driving actionable insights & defining the risk strategy across Toast’s Embedded Finance product suite. As a senior individual contributor, you’ll partner with leaders across Product, Data Science, Operations, and Finance to ensure Embedded Finance products scale responsibly while serving the restaurant community.

About this roll* (Responsibilities) 

• Coordinate with the Fraud and Credit Risk Teams to understand their reporting needs, and iterate on dashboards and visualizations to allow them to track metrics to achieve their business goals
• Work closely with operational teams to build monitoring and alerting to minimize gaps in our fraud and risk program
• Present portfolio insights and recommendations to senior leadership, influencing product and credit strategy.
• Analyze large sets of transaction data to develop fraud mitigation strategy
• Mentor analysts across the team, sharing expertise in advanced analytics, risk modeling, and storytelling with data.
• Identify and define data pipeline requirements in Snowflake to support the ingestion and transformation of large-scale transaction, payments, and credit datasets for building real-time fraud detection and alerting models.
• Develop and validate advanced statistical and analytical models in Python to detect anomalous behaviors, assess fraud risk, and measure performance using metrics such as precision, recall, ROC curves, and population stability.
• Design and maintain fraud analytics dashboards and collaborative data exploration tools in Hex, enabling real-time monitoring of emerging fraud patterns and performance trends.
• Collaborate cross-functionally with engineering and operations teams to translate analytical findings into technical requirements for fraud prevention controls, ensuring robust integration with embedded finance products.

Do you have the right ingredients*? (Requirements)

• 5+ years of experience in data analytics, credit risk, lending, or financial services; fintech experience is a plus.
• Bachelor's degree in one of the following: economics, data analytics, data science or statistics 
• Strong SQL skills and proficiency with analytical tools (Python, R, Tableau/Power BI, Snowflake, etc.).
• Proven ability to analyze large, complex datasets to extract actionable insights.
• Exceptional communication skills, with a track record of influencing cross-functional stakeholders and executive leaders.
• Ability to thrive in a dynamic, fast-paced environment with competing priorities.
• Strategic thinker with high intellectual curiosity and a passion for driving impact.

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.

*Bread puns encouraged but not required