Senior Product Manager, Lending

About the Role

Toast is 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.

Responsibilities

• Interface with restaurant customers directly to get feedback on product opportunities to iterate and deliver more value.
• 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.
• Engage external bank partners, funding partners, and various vendors.

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 skillset across designing financial products, user experimentation, risk model improvements, risk/operations tooling, and scalable platforms.
• Strong written & verbal communication skills, with an emphasis on communicating roadmaps, tradeoffs, and technical solutions to a variety of stakeholders.
• High EQ and skill 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 Qualifications

• First-hand experience with lending.
• Experience working with fast-growing teams & hyper-growth companies.
• Experience delivering products powered by machine learning models.
• Experience incorporating legal & regulatory oversight into consumer or business products.

Interview & AI Guidelines

We ask that you complete interviews and assessments on your own, without real-time AI tools, recording, or transcription bots, unless told otherwise in advance.