Director of Product Management, Lending

A day in the life

• Own and evolve the product vision, strategy, and roadmap for Toast’s lending portfolio, with Toast Capital as the foundation and new embedded lending experiences as the next horizon of growth.
• Identify, size, and sequence new opportunities that help restaurants start, run, and grow, including working capital, growth financing, faster access to funds, upmarket lending, and other embedded financing products.
• Lead teams through both 1-to-n scaling and 0-to-1 incubation by improving existing lending products, expanding eligibility and adoption, and validating new concepts through disciplined experimentation.
• Define end-to-end product experiences and scalable lending infrastructure across offer eligibility, application, underwriting, pricing, funding, servicing, collections, and lifecycle engagement.
• Build lending experiences that feel native to Toast by embedding access to capital into the moments operators already manage cash flow, payouts, payroll, bills, inventory, equipment, and growth decisions.
• Use customer research and data to identify pain points, translate them into product decisions, business cases, and measurable outcomes.
• Partner deeply with Engineering, Design, Data Science, Credit Risk, Capital Markets, Legal, Compliance, Finance, Operations, Marketing and external financial partners to improve access to capital while maintaining compliance and responsible lending practices.