Staff Software Engineer, Embedded Finance

· Remote

Location

Remote

Type

Full Time

Job Description

ToastJobs
Staff Software Engineer Embedded Finance

Staff Software Engineer Embedded Finance

Posted 12 Hours Ago
Be an Early Applicant
Hiring Remotely in USA
Remote
193K-309K Annually
Senior level
Cloud • Fintech • Food • Information Technology • Software • Hospitality
We empower the restaurant community to delight guests do what they love and thrive.
The Role
The Staff Software Engineer will lead design development and mentoring in building Embedded Finance capabilities while ensuring high-quality production services.
Summary Generated by Built In

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.

Are you bready* for a change?

Toast is looking for a Staff Software Engineer to help build new Embedded Finance capabilities. Toast is built from the ground up for restaurants with over one hundred thousand restaurants using Toast. As a result we are well-positioned to provide financial services such as lending (loans credit cards etc.) equipment financing and bank accounts tailored specifically to restaurants. We need your help to grow our platform and add the next generation of these products.

About this roll* (Responsibilities)

  • Join a collaborative team of Design Product QA and other engineering members in developing robust and scalable full-stack software applications.
  • Provide design feedback and participate in code reviews to ensure implementation meet requirements
  • Gain an understanding and contribute to team discussions on product features design marketing and strategy
  • Participate in architectural discussions and influence the technical roadmap
  • Advocate for best coding practices to raise the bar for you your team and the company
  • Mentor and provide technical guidance to other team members
  • Leverage cutting edge AI tools to enhance your development workflow improve velocity and help pioneer new approaches to building software — contributing to a culture of innovation and productivity across the team

Do you have the right ingredients*? (Requirements)

  • 8+ years of back-end experience in Java Kotlin or other object-oriented languages
  • Proficient with modern web standards and technologies (e.g. REST GraphQL)
  • Experience with distributed systems enterprise messaging systems and/or microservices
  • Experience delivering high-quality reliable services to production
  • Excellent cross-team communication skills on complex technical topics
  • Passionate about making users happy and seeing people use your product in the wild

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.

Zone A
$193000$309000 USD
Zone B
$168000$269000 USD
Zone C
$151000$242000 USD

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 [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

  • 8+ years of back-end experience in Java Kotlin or other object-oriented languages
  • Proficient with modern web standards and technologies (e.g. REST GraphQL)
  • Experience with distributed systems enterprise messaging systems and/or microservices
  • Experience delivering high-quality reliable services to production
  • Excellent cross-team communication skills on complex technical topics
  • Passionate about making users happy and seeing people use your product in the wild

What the Team is Saying

Christopher
Srishti
JJ
Eden
Jane

Toast Compensation & Benefits Highlights

  • Parental & Family SupportPaid parental/family/medical leave is extensive featuring 16 weeks for all parents with additional time for birthing parents alongside fertility guidance/stipends and subsidized backup child/adult care.
  • Leave & Time Off BreadthFlexible PTO paid company holidays and a paid sabbatical available after five years expand rest options and long‑term renewal.
  • Wellbeing & Lifestyle BenefitsNo‑cost therapy and coaching a wellness stipend financial education work‑enablement and professional development stipends donation matching and preferred pet‑insurance pricing support holistic wellbeing.

Toast Insights

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The Company
HQ: Boston MA
5000 Employees
Year Founded: 2011

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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About our Teams

Toast Offices

Hybrid Workspace

Employees engage in a combination of remote and on-site work.

Typical time on-site: Flexible
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HQBoston MA
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Bengaluru IN
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Chennai IN
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Dublin IE
London
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Lublin PL
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New York City
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Omaha NE
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San Francisco CA
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Toronto
Learn more

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Date Posted

05/15/2026

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