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 for Toast Checking - the checking account, jars/savings, and debit card quickly becoming the financial center for Toast customers. This is an end-to-end product owner role: strategy, roadmap, execution, partner management (external banks / vendors / card processors), legal & compliance coordination, and go-to-market for core banking features. You will move fast, own decisions, and be accountable for measurable business outcomes.

A day in the life (Responsibilities)

Work closely with cross functional teams and various product domains across Toast to define strategy, support ideation, design, development, feature launch, and support of Toast Checking.
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.
Partner with GTM and Product Marketing to package TCA, measure conversion funnels, drive adoption and retention, and define pricing/promotions/attach strategies.
Define success metrics, build dashboards, run experiments, and iterate. Own adoption, activation accounts, average balance growth, deposit velocity, card attach/usage, NPS, and operational SLAs.
Embrace and advocate for the use of AI tools to accelerate product discovery, streamline execution, and explore new product experiences - helping shape how we build and what we build.

What you'll need to thrive (Requirements)

Minimum of 6+ years of experience in a product management role
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.
Customer obsession - experience running VoC, customer interviews, and translating insights into prioritized roadmaps that move KPIs.
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.
Excited to roll up your sleeves and understand the inner workings of web applications & developer services.
Comfortable with data analysis tools like SQL and Excel.

Bonus skills to have

Direct experience in banking, embedded finance, or lending.
Experience working fast-growing teams & hyper-growth companies.
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.

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. To learn more: https://careers.toasttab.com/ai-in-hiring

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

At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry is one of the most diverse, and we embrace that diversity with authenticity, inclusivity, respect, and humility. By embedding these principles into our culture and design, we create equitable opportunities for all and raise the bar in delivering exceptional experiences.

We Thrive Together

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 restaurant community. To learn more about how we work globally and regionally, check out: https://careers.toasttab.com/locations-toast.

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.

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Senior Product Manager - Banking

Job Description