Capital Markets Principal

Toast is driven by building the all-in-one restaurant platform that helps restaurants operate their business, increase sales, engage guests, and keep employees happy.

Our Capital Markets Team is looking for a Manager to support the lending and financing activities of the Toast Capital Loan Program. This is a key role that will help us continue to grow and scale the lending business effectively. Reporting to the Senior Director of Capital Markets, you will play a pivotal role in shaping the future of the Capital Markets team, while working cross‑functionally with stakeholders across the Fintech business line.

The ideal candidate will have strong analytical skills, an ability to navigate complex data‑driven decisions, and a keen attention to detail.

• Perform analysis and build financial models to help inform data‑driven capital markets decisions, gathering inputs from various stakeholders
• Create and manage ongoing ABS‑style reporting and audit cadences to uphold various types of financing relationships
• Establish and maintain relationships with external capital teams to ensure compliance with contractual obligations
• Help negotiate and execute on new capital commitments in the form of private credit arrangements
• Collaborate with the Risk, R&D, Strategic Finance, Accounting, Product, Legal, Compliance, and Operations teams to evaluate and address capital markets impacts of new initiatives
• Drive operational efficiencies across all capital markets functions
• Build presentations to explain complex concepts, and deliver key information to a variety of audiences

• 7+ years of professional experience, including 3+ years specifically within capital markets, corporate treasury, or investment banking
• Bachelor's Degree in Finance, Economics, or a related quantitative field
• SQL, Advanced Excel, and financial modeling skills, with the ability to build robust financial models to analyze opportunities and build business cases for pursuit
• Experience building and producing reporting for warehouse facilities, securitizations, or forward‑flow programs
• Strong communication and stakeholder management skills, with the ability to interface with both internal and external stakeholders

• Experience working within the Financial Technology (Fintech) or SaaS space
• A background in capital markets operational support for a large‑scale lending program, with exposure to various financing structures
• Big data analytics skill sets, including the use of Python and other data programming languages
• Experience managing bank and investor relationships
• Ability to assess and negotiate complex legal documents

We strive to provide competitive compensation and benefits programs that help attract, retain, and motivate the best and brightest people in our industry. Our total rewards package goes beyond great earnings potential and provides a healthy lifestyle with the flexibility to meet evolving needs.

Base Salary: $92,000 – $147,000 USD. In addition to base salary, total rewards components include cash compensation (overtime, bonus/commissions if eligible), equity, and benefits. To learn more about our geographic pay zone philosophy, visit

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