Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy.
The Fintech team is responsible for a diverse range of products and workstreams, all with the united goal of helping restaurants make dealing with money easier. From quickly and seamlessly taking guest payments to extending credit via our lending products, the Fintech product team tackles some of the biggest and most impactful initiatives within Toast.
We are looking for a Senior Product Manager to lead Toast’s Lending efforts as part of our Embedded Finance team. You will be responsible for identifying, prioritizing and building innovative financial products & features that help restaurant owners access the funding they need to start, run or grow their business. The initiatives you spearhead will expand and strengthen our suite of lending products like Toast Capital and Easy Pay, growing our reach and impact.
A day in the life (Responsibilities)
In this role, you will interface with our restaurant customers directly to get feedback on product opportunities in order to inspire and inform how Toast continues to iterate and deliver more value. You will own the Lending product roadmap and collaborate with various teams across Toast, most notably Credit, Capital Markets, Legal & Compliance, Data Science/ AI, Marketing, Operations, Payments, Finance. You will also engage external bank partners, funding partners and various vendors.
- Own the product roadmap for Toast Capital (Toast’s flagship lending product).
- Work closely with cross functional teams and various product domains across Toast to support ideation, design, development, launch and support of new and existing products.
- Create & present business cases and business models for new product investments, and measure/quantify success of product launches.
- Write technical and non-technical user stories, define requirements, workflows, and wireframes in collaboration with Engineering, Design, Data Science and other teams.
- Manage the backlog of an established engineering team, define roadmap requirements, and facilitate agile ceremonies.
- Communicate and collaborate with technical counterparts, and business-oriented stakeholders, to consistently set and meet expectations.
What you'll need to thrive (Requirements)
- 5+ years of product management experience, with a track record of driving strategy, execution, and impact for B2B products
- A passion for innovating in financial services and desire to transform the restaurant & hospitality industry
- Experience managing products from their early inception to measurable post-launch success.
- A track record of strong execution, delivering speed and quality.
- Versatile skillet - you’re able to design innovative financial products, experiment to deliver top notch personalized user experiences, drive consistent risk model improvements, build efficient risk and operations tooling, and develop a scalable platform.
- Strong written & verbal communication skills, with an emphasis on communicating roadmaps, tradeoffs and technical solutions to a variety of stakeholders.
- High EQ and is skilled at building and maintaining relationships with engineering & design teams.
- Strong ability to turn data into actionable insights and customer outcomes
- Proven ability to influence across teams and drive alignment in ambiguous, high-impact spaces
- Comfortable with data analysis tools like SQL.
Bonus ingredients*
- First-hand experience with lending.
- Experience working fast-growing teams & hyper-growth companies.
- Experience delivering products powered by machine learning models.
- Experience incorporating legal & regulatory oversight into consumer or business products.
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.
Our Total Rewards Philosophy
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.
The base salary range for this role is listed below. The starting salary will be determined based on skills, experience, and geographic location. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions if eligible), equity, and benefits. You can learn more about how we align pay with local labor markets in our Geographic Pay Zone Philosophy.
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
We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong 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
People Are the Secret Ingredient in Our Recipe for Success
At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry brings together people with a wide range of backgrounds, experiences, and perspectives, and we value that same breadth at Toast. We strive to build a culture grounded in authenticity, respect, and humility, where every Toaster has a real opportunity to grow, contribute, and do their best work—raising the bar in delivering exceptional experiences for our customers and each other.
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 [email protected].
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For roles in the United States, it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
Skills Required
- 5+ years of product management experience
- Track record driving strategy, execution, and impact for B2B products
- Experience managing products from early inception through measurable post-launch success
- Track record of strong execution and delivering speed and quality
- Ability to design financial products, personalize user experiences, improve risk models, build risk and operations tooling, and develop scalable platforms
- Strong written and verbal communication skills
- High EQ and ability to build relationships with engineering and design teams
- Ability to turn data into actionable insights and customer outcomes
- Proven ability to influence across teams and drive alignment in ambiguous, high-impact spaces
- Comfort with data analysis tools such as SQL
- First-hand lending experience
- Experience working in fast-growing or hyper-growth companies
- Experience delivering products powered by machine learning models
- Experience incorporating legal and regulatory oversight into consumer or business products
What the Team is Saying
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Toast Compensation & Benefits Highlights
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Leave & Time Off Breadth — Time off options include flexible/unlimited PTO, multiple leave programs, paid holidays, volunteer time, and a paid sabbatical after five years. These are consistently presented as standout elements of the package.
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Parental & Family Support — Paid parental and family leave are described as generous for all parents, with added family-forming benefits and subsidized backup child/adult care. This breadth extends to adoption/fostering support and fertility guidance or stipends.
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Wellbeing & Lifestyle Benefits — Wellbeing resources include free therapy and coaching, financial education, and wellness stipends. Work‑enablement stipends and other lifestyle perks are also highlighted.
Toast Insights
What We Do
Toast is the all-in-one platform built for restaurants of all sizes. Toast provides a single platform of software as a service (SaaS) products and financial technology solutions that give restaurants everything they need to run their business, including point of sale, payments, supplier management, digital ordering and delivery, marketing and loyalty, and team management. By serving as the restaurant operating system across dine-in, takeout, and delivery channels, Toast helps restaurants increase revenue, streamline operations and deliver amazing guest experiences.
Why Work With Us
Our recipe for an awesome workplace: One splash of friendship A dollop of impact A sprinkle of no hierarchy & A heavy spoonful of individuality Mix these ingredients in a fast-paced and hardworking environment. Best paired with a side of interesting people who always bring their whole selves to work. *100% Sunday scary free
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Toast Teams
Toast Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
