Toast02.06.2026
Lead Credit Underwriter - Retail
Зарплата не указана
РЫНОК
14 167 ₽медиана по профессии
Tech Lead / Team Lead · 93 вакансий с указанной зарплатой
5 250половина предложений: 9 542–19 4171,2 млн
Работодатель не указал зарплату — сравните с рынком сами.
Bengaluru
Обязанности
- 01Review financial statements (P&L, balance sheet, cash flow) to evaluate the creditworthiness of counterparties in retail sector
- 02Calculate and interpret key ratios such as leverage, liquidity, and coverage to assess financial risk
- 03Write clear, concise credit memos with risk assessments and approval recommendations
- 04Determine reserve levels and set exposure limits based on the financial profile and risk tolerance
- 05Monitor counterparties for changes in financial health, operating metrics, or market signals
- 06Research and analyze existing debt obligations using public records, credit reports, or proprietary tools
- 07Identify and escalate key risk indicators to the Credit Committee, with supporting data and rationale
- 08Build and maintain monitoring frameworks tailored to different merchant risk profiles and business models
- 09Define and configure alerting mechanisms for early detection of deteriorating credit quality
- 10Use SQL, Python, and business intelligence tools (e.g., Looker, Hex) to query and analyze risk data
- 11Work with Snowflake-based data environments to extract insights and develop risk dashboards
- 12Collaborate with data, finance, product and engineering teams to improve underwriting efficiency and transparency
- 13Stay up to date on macro trends, industry developments, and emerging credit risks across sectors
Требования
- 01Bachelor's degree in Finance, Accounting, Economics, Data Science, or a related field; CFA or CPA a plus
- 025+ years of experience in credit underwriting for counterparty risk, financial analysis, risk management, with a focus on SMBs preferred
- 03Strong foundation in financial modeling and credit ratio analysis
- 04Proficiency in querying and analyzing data using SQL, Python, and platforms like Hex and Snowflake
- 05Experience working with BI tools such as Looker, Tableau, or similar
- 06Demonstrated ability to make independent, data-backed underwriting decisions
Условия
- 01Hybrid work model fostering in-person collaboration while valuing individual needs
- 02Competitive compensation and benefits programs
- 03Access to AI tools across disciplines
- 04Commitment to diversity, equity, and inclusion
- 05Reasonable accommodations for persons with disabilities during the hiring process