Staff Software Engineer, Embedded Finance

Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy.

Are you bready* for a change?

Toast is looking for a Staff 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


• Leverage cutting edge AI tools to enhance your development workflow, improve velocity, and help pioneer new approaches to building software — contributing to a culture of innovation and productivity across the team

Do you have the right ingredients *? (Requirements)

• 8+ 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

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  .

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

$193,000 - $309,000 USD

Zone B

$168,000 - $269,000 USD

Zone C

$151,000 - $242,000 USD

How 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:

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: .

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 View email address on jobs.jobcopilot.com .

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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.