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. About the role Our Capital Markets Team is looking for a Principal 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. This role is open to remote candidates across the US, with a preference for the East Coast (EST). A day in the life (Responsibilities) 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 What you'll need to thrive (Requirements) 7+ years of professional experience, including 3+ years specifically within capital markets, corporate treasury, or investment banking Bachelor's Degree Finance, Economics, or a related quantitative field. SQL, Advanced Excel, and financial modeling skills, with the ability to build robust financial models analyze opportunities and build business cases for pursuit Experience building and producing reporting for warehouse facilities, securitizations, or forward-flow programs Strong communication skills and stakeholder management skills, with the ability to interface with both internal and external stakeholders What will help you stand out (Nonessential Skills/Nice to Haves) 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 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 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 . 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 https://careers.toasttab.com/toast-benefits . 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 $106,000 — $170,000 USD Zone B $92,000 — $147,000 USD Zone C $83,000 — $133,000 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: https://careers.toasttab.com/ai-in-hiring Our Approach to Hybrid Working 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 hospitality community, regardless of location. Please visit the Locations page on our career site to learn more about our in-office expectations by region: https://careers.toasttab.com/locations-toast 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: https://careers.toasttab.com/locations-toast . 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 [email protected] . ------ 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.