Principal Software Engineer, Embedded Finance

Remote US

We’re not your traditional tech company and we don’t aim to be. Going against the grain is in our DNA. Building a revolutionary product begins with revolutionary thinking. That’s why we value diversity of background and lived experience. Together, we empower restaurants of all sizes to build great teams, increase revenue, improve operations, and delight their guests. We pair our deep understanding of the restaurant industry with powerful cloud based software and restaurant-grade hardware to deliver an intuitive all-in-one platform. Join us on our mission to empower the restaurant community to delight guests, do what they love, and thrive.

Bready* to make a change?

Toast is building out an Embedded Finance product line with the goal of researching, developing, and eventually scaling a new generation of financial solutions for restaurants that can have a substantial impact on Toast’s long-term growth. In this very senior engineering role, you will oversee all aspects of our Embedded Finance solution which includes some existing products such as BillPay and Capital, and helping to identify new opportunities and solutions. If you are the type of engineer who loves building from scratch and taking early solutions to scale, this could be the perfect job for you.

With Toast’s suite of restaurant management solutions, our customers take orders at tables and online, send orders to the kitchen, schedule employee shifts, and even manage supplier purchasing.  On the Embedded Finance team, we are working to become an integral part of our customer’s financial lives.  Embedded Finance will be the set of capabilities that connects the restaurant’s payments directly with the suite of Toast’s capabilities.  We are looking for a motivated engineer to help build this product line from the ground up, ensuring that we have data consistency, design components to be reusable across use cases, and mentoring other team level technical leads on architecture and design.  The responsibility includes customer facing experiences as well as platform build - it is true full stack ownership.

About this roll* (Responsibilities) 

  • Work closely with the leads to identify high-impact opportunities
  • Make technical decisions and recommendations that will lay the foundation for the future of our strategy
  • Stay in tune with customer needs by participating in user interviews and research
  • Guide the design and build of the overall suite of products to work seamlessly together for our customers

Do you have the right ingredients*? (Requirements)

  • Growth mindset with an emphasis on learning and self/team-improvement
  • Extensive experience building and shipping production software to customers
  • Experience with Java or other object oriented programming languages
  • Experience with front end and back end development 
  • Respectful, empathetic, and humble
  • Passionate about making users happy and seeing people use your product in the wild.
  • Startup mindset and comfort with ambiguity
  • Flexible in using different tech stacks and languages
  • Experience with lending and financial services solutions
  • Able to demonstrate platform thinking and design

Our Spread* of Total Rewards
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

*Bread puns encouraged but not required


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), equity, and benefits.Pay Range$182,000—$291,000 USD


We are Toasters

Diversity, Equity, and Inclusion is Baked into our Recipe for Success.

At Toast our employees are our secret ingredient. When they are powered to succeed, Toast succeeds.

The restaurant industry is one of the most diverse industries. We embrace and are excited by this diversity, believing that only through authenticity, inclusivity, high standards of respect and trust, and leading with humility will we be able to achieve our goals.

Baking inclusive principles into our company and diversity into our design provides equitable opportunities for all and enhances our ability to be first in class in all aspects of our industry.

Bready* to make a change? 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