Senior Software Engineer, Financial Management at Toast

Are you bready* for a change? Now, more than ever, the Toast team is committed to our customers. We’re taking steps to help restaurants navigate these unprecedented times with technology, resources, and community. Our focus is on building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love. And because our technology is purpose-built for restaurants, by restaurant people, restaurants can trust that we’ll deliver on their needs for today while investing in experiences that will power their restaurant of the future. Every day, many thousands of servers, hosts, and chefs use Toast POS (Point of Sale) to serve millions of guests in their restaurants. To make our restaurants successful, we need to develop products that install painlessly, work together seamlessly, and quickly guide restaurant staff and Toast team members to resolve any problems that occur. Who We Are Financial Management is a growing team within Toast focused on solving one of the biggest challenges in the restaurant industry: managing cash flow. Restaurants operate on narrow margins with high turnover, making financial stability critical. By building integrated tools like Cash Flow Insights, Bill Pay, and the upcoming Books product, we empower operators to streamline payments, gain real-time visibility into their finances, and maintain accurate records, all seamlessly within the Toast platform. Together, these tools form a unified financial suite that simplifies operations, improves accuracy, and gives restaurants the confidence to focus on what they do best: hospitality. We are looking for a Senior Software Engineer to help build Toast Books and support the continued growth of Cash Flow Insights and Bill Pay. Toast already powers over 100,000 restaurants as the leading restaurant platform, which uniquely positions us to provide tailored financial services like lending, equipment financing, and banking products designed specifically for restaurants. As part of our team, you’ll play a critical role in expanding Toast’s financial ecosystem and shaping the next generation of products that help restaurants thrive. About this roll* (Responsibilities) • Shape the technical strategy and architecture for Financial Management while staying closely connected to customer problems, product outcomes, and business impact. • Identify and prioritize high-impact customer, business, and technical problems; balance hands-on execution with influence across teams and functions. • Partner deeply with Product, Design, Compliance, Finance, Support, Data, and external vendors to deliver resilient, scalable, and customer-centered financial products. • Lead architectural discussions, make pragmatic tradeoffs, and help sequence the roadmap so teams can ship value incrementally while improving long-term system health. • Mentor engineers and model engineering excellence through high-quality design, code review, testing, observability, documentation, and inclusive technical leadership. • Act as a multiplier by identifying systemic technical, operational, and organizational challenges, then driving improvements that increase developer productivity, reliability, customer impact, and team effectiveness. Do you have the right ingredients*? (Requirements) • 5+ years of backend engineering experience, with strong fundamentals in building, operating, and evolving production systems in a Java / Kotlin environment • Leverages and explores AI tools as a core part of your workflow to improve speed, quality, learning, and team operations. • Demonstrated success independently owning complex technical initiatives • Strong judgment designing and operating distributed systems, service-oriented architectures, messaging patterns, and / or microservices in production environments. • Proven ability to balance hands-on execution, pragmatic delivery, and longer-term technical direction. • Skilled at aligning engineering, product, design, and leadership stakeholders around clear tradeoffs and executable plans. • Strong customer orientation: you care about understanding real user workflows, shipping useful product increments, learning from adoption and feedback, and improving the customer experience over time. Bonus ingredients* (preferred skills) • Experience building financial systems such as payments, reconciliation, billing, accounting, bookkeeping, or financial reporting platforms. • Familiarity with regulatory, compliance, audit, privacy, or security requirements for financial products, such as PCI, SOX, KYC, or related controls.. • Background in data modeling, ledger-like systems, reconciliation, auditability, or financial reporting with high-volume transaction data. • Knowledge of integration patterns with external financial institutions, banks, payment processors, accounting systems, or other third-party financial platforms. 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 [Upgrade to PRO to see link] 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$159,000—$254,000 USDZone B$138,000—$221,000 USDZone C$125,000—$200,000 USDHow 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: [Upgrade to PRO to see link] 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: [Upgrade to PRO to see link] 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 [Upgrade to PRO to see contact]. ------ 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.