Description
We are seeking a Manager, Embedded Finance Operations to build and lead a high-performing underwriting function in Bengaluru. This role is an extension of Toast's US Embedded Finance Operations team and is critical to expanding the company's footprint and international strategy.
The successful candidate will set up and lead the underwriting function, working closely with Product, Engineering, and Risk partners in Bengaluru and with leadership in the US. This is a player-coach role, requiring the ability to make and review credit decisions while building the team, processes, and tooling to enable the function to scale.
Key responsibilities include:
- Building the underwriting function from the ground up
- Leading as a player-coach, managing a team of underwriters and making credit decisions
- Hiring and growing the team, partnering on annual planning and recruiting talent
- Driving automation and AI transformation, finding opportunities to automate manual work and building AI-enabled tools
- Making operations data-driven, defining metrics and building BI dashboards and analytics
- Building strong cross-functional partnerships with Product, Engineering, and Risk stakeholders
- Working as part of a global team, partnering with the US-based underwriting team and leaders
- Leading through change, guiding the team through new processes and tools
- Maintaining strong risk and compliance discipline, ensuring underwriting practices follow credit policy and regulatory expectations
Requirements:
- 10+ years of experience in lending, credit, or financial services operations
- Hands-on underwriting or credit decisioning experience
- Proven people leadership experience, with a track record of managing and growing teams
- Experience building or scaling an operations function, preferably in a new market or team
- Strong background in process automation, BI, and data analytics
- Excellent relationship-building and stakeholder management skills
- Experience working in global teams and collaborating across time zones
Nice to haves:
- Experience in fintech, embedded finance, or merchant cash advance/small business lending
- Experience implementing AI or machine-learning-assisted decisioning or workflow automation
- Experience setting up a new center of excellence or global capability center in India
- Familiarity with credit risk frameworks, fraud prevention, or KYC/KYB processes