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 Embedded Finance team is responsible for a diverse range of products, all with the united goal of building a financial operating system integrated into Toast merchants’ daily operations, that delivers unparalleled cash control, capital access, and financial intelligence, powered by an always-on AI finance team.
We’re looking for a Senior Product Manager to bring that mission to life for operators. You’ll own the Financial Products page and the Finance tab in the Toast Now app, the shared spaces where our Embedded Finance products come together to form one financial operating system. You’ll work across Embedded Finance product teams to set best practices for how products show up in these spaces, and to make sure they deliver the key jobs-to-be-done across cash control, capital access, and financial intelligence. This is an end-to-end owner role: strategy, roadmap, experimentation, execution, and accountability for measurable business outcomes. Expect to run a lot of experiments.
A day in the life (Responsibilities)
- Own the strategy, roadmap, and performance of the Financial Products page and the Finance tab in Toast Now, including how operators discover, evaluate, and engage with financial products.
- Define the key jobs-to-be-done these shared spaces must serve (e.g., understanding cash position, accessing funds, discovering the right product, acting on insights) and turn them into prioritized roadmaps that move KPIs.
- Translate our vision and mission into the customer experience, so that cash control, capital access, and financial intelligence feel like one connected system rather than separate products.
- Partner with product teams across Embedded Finance to establish and enforce best practices, such as design patterns, content standards, entry points, and measurement, so products show up consistently and the experience feels cohesive.
- Run a high-velocity experimentation program: form hypotheses, design and launch tests (placement, messaging, personalization, sequencing, cross-sell), analyze results, and scale what works.
- Balance the needs of individual product teams against the operator experience and overall business outcomes, making clear tradeoffs and resolving competing priorities.
- Work closely with Engineering, Design, and Research to write user stories, define requirements, workflows, and wireframes. Manage the backlog and facilitate agile ceremonies.
- Partner with GTM and Product Marketing to drive awareness, adoption, and attach across financial products, and coordinate launches with the teams who own the underlying products.
- Define success metrics, build dashboards, and own outcomes such as engagement with the Finance tab and page, discovery-to-activation conversion, cross-product attach, retention, time saved for operators, and customer satisfaction.
- Run VoC and customer interviews, and turn insights into roadmap decisions.
- Create and present business cases for new investments and quantify the impact of launches.
- 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)
- A passion for innovating in financial services and a desire to transform the restaurant and hospitality industry.
- Experience owning a product or surface from early inception to measurable post-launch success, ideally a platform, hub, or shared experience spanning multiple products.
- Hands-on experience running experimentation programs (A/B testing, hypothesis-driven iteration) and using the results to drive decisions.
- Ability to influence without authority: setting standards and best practices across teams you don’t manage, and aligning stakeholders with competing priorities.
- Customer obsession, with experience running VoC and customer interviews and turning insights into prioritized roadmaps.
- A track record of strong execution, delivering both speed and quality.
- Comfort with analyzing data, building funnels, and defining analytics.
**This is a hybrid role requiring two days per week in the Dublin office**
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. 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 candidateaccommodations@toasttab.com.
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