Staff Software Engineer - job 1 of 4

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 Staff 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)

• Drive the technical strategy and architecture for Embedded Finance across multiple engineering teams.
• Identify and prioritize the most impactful problems, balancing deep technical contributions with cross-team influence.
• Partner with Product, Design, Compliance, Finance, and vendors to deliver resilient and scalable financial products.
• Lead architectural discussions, make thoughtful tradeoffs, and shape the long-term technical roadmap.
• Mentor and model engineering excellence, raising the bar for coding, testing, and design practices while enabling others to deliver at scale.
• Act as a multiplier by spotting systemic challenges and driving improvements that increase productivity, reliability, and impact.

Do you have the right ingredients*? (Requirements)

• 8+ years of back-end experience in Java, Kotlin, or other object-oriented languages
• Demonstrated success leading technical initiatives that span multiple teams or functions.
• Deep understanding of distributed systems, enterprise messaging, and/or microservices at scale.
• Proven ability to balance hands-on execution with strategic technical leadership.
• Skilled at aligning technical and non-technical stakeholders to move high-impact work forward.
• Passionate about making users happy and seeing people use your product in the wild.

Bonus ingredients* (preferred skills)

• Experience building financial systems such as payments, lending, reconciliation, or bookkeeping platforms.
• Familiarity with regulatory and compliance requirements for financial products (e.g., PCI, SOX, KYC).
• Background in data modeling and financial reporting, especially with high-volume transaction data.
• Knowledge of integration patterns with external financial institutions (e.g., bank APIs, payment processors).

Do you have the right ingredients*? (Requirements)

AI at Toast

At Toast 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 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 https://careers.toasttab.com/toast-benefits.

*Bread puns encouraged but not required