Senior Software Engineer, Embedded Finance

Title: Senior Software Engineer - Embedded Finance

Location: Remote, USA - Preferred EST OR CST Based Candidates

Toast is driven by building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love.

Are you bready* for a change?

Toast is looking for a Senior 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

Do you have the right ingredients*? (Requirements)

• 5+ 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

The base salary range for this role is listed below. The starting salary will be determined based on skills and experience. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions, if eligible), benefits, and equity (if eligible).

Pay Range

$134,000—$214,000 USD

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.

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.