Senior Product Manager Consumer Payments

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.

We are looking for a Senior Product Manager Consumer Payments to lead Toast’s consumer payments strategy and product area. This role will shape how diners pay across the Toast ecosystem while also helping restaurants benefit from more seamless experiences stronger guest loyalty and improved economics.

In this role you will define and drive the strategy roadmap and execution for consumer payment experiences at Toast. This includes card and stored value experiences guest checkout innovation loyalty- and rewards-linked payments and emerging payment methods that improve both the guest experience and cost of acceptance.

You will work cross-functionally with teams across Consumer Payments Engineering Design Data Risk Operations Partnerships Legal Finance and Go-to-Market to turn an ambitious vision into a scalable and differentiated product portfolio. This role sits at the intersection of consumer experience payments innovation and business strategy and requires strong product judgment technical fluency leadership and comfort operating in ambiguity.

A day in the life (Responsibilities) 

• Own the product vision strategy and roadmap for Consumer Payments aligning near-term execution with Toast’s long-term strategy.
• Define the end-to-end consumer payment experience across areas such as wallet stored value guest checkout rewards-linked payments and emerging lower-cost payment methods.
• Partner with Consumer and Guest teams to create payment experiences that are seamless intuitive and habit-forming for diners across Toast surfaces.
• Work closely with other Payment teams Risk Finance Legal and Operations teams to design solutions that are compliant scalable and economically compelling.
• Drive product discovery and prioritization grounded in customer needs business impact technical feasibility and strategic differentiation.
• Lead complex cross-functional initiatives involving internal platform teams and external partners.
• Translate broad strategic goals into clear milestones measurable outcomes and focused execution plans.
• Use data to evaluate adoption engagement conversion retention payment mix margin impact and customer value.
• Communicate strategy priorities tradeoffs progress and risks clearly to senior leadership and stakeholders across Toast.
• 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.

Do you have the right ingredients?* (Requirements)

• 8+ years of product management experience including significant experience in payments fintech consumer payments wallets or other complex platform businesses.
• Track record of defining building and scaling products in ambiguous cross-functional environments.
• Strong understanding of digital payments wallets stored value alternative payment methods or consumer fintech ecosystems.
• Ability to balance customer experience technical complexity risk and compliance constraints and business economics.
• Strong technical fluency and comfort partnering deeply with engineering on architecture APIs dependencies and rollout planning.
• Excellent communication and stakeholder management skills with the ability to influence senior leaders and align cross-functional teams.
• Strong analytical and strategic thinking skills with the ability to move fluidly between detail and big-picture strategy.
• Experience with marketplace network loyalty or two-sided platform models is a plus.

Special Sauce* (Nice to Have)

• Experience building wallet stored value prepaid debit or rewards-linked payment products.
• Familiarity with merchant economics cost-of-acceptance levers or alternative payment rails such as ACH or pay by bank.
• Experience in hospitality commerce or local marketplace 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.

#LI-REMOTE

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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