Senior Product Manager, Consumer Payments

Toast is a technology company focused on helping restaurants and local businesses thrive in a digital landscape. They are seeking a Senior Product Manager for Consumer Payments to lead the strategy and execution of consumer payment experiences, enhancing guest interactions and operational efficiencies.

Responsibilities:

• Own the product vision, strategy, and roadmap for Consumer Payments, aligning near-term execution with Toast’s long-term strategy
• Define the end-to-end consumer payment experience across areas such as wallet, stored value, guest checkout, rewards-linked payments, and emerging lower-cost payment methods
• Partner with Consumer and Guest teams to create payment experiences that are seamless, intuitive, and habit-forming for diners across Toast surfaces
• Work closely with other Payment teams, Risk, Finance, Legal, and Operations teams to design solutions that are compliant, scalable, and economically compelling
• Drive product discovery and prioritization grounded in customer needs, business impact, technical feasibility, and strategic differentiation
• Lead complex cross-functional initiatives involving internal platform teams and external partners
• Translate broad strategic goals into clear milestones, measurable outcomes, and focused execution plans
• Use data to evaluate adoption, engagement, conversion, retention, payment mix, margin impact, and customer value
• Communicate strategy, priorities, tradeoffs, progress, and risks clearly to senior leadership and stakeholders across Toast
• Embrace and advocate for the use of AI tools to accelerate product discovery, streamline execution, and explore new product experiences - helping shape how we build and what we build

Requirements:

• 8+ years of product management experience, including significant experience in payments, fintech, consumer payments, wallets, or other complex platform businesses
• Track record of defining, building, and scaling products in ambiguous, cross-functional environments
• Strong understanding of digital payments, wallets, stored value, alternative payment methods, or consumer fintech ecosystems
• Ability to balance customer experience, technical complexity, risk and compliance constraints, and business economics
• Strong technical fluency and comfort partnering deeply with engineering on architecture, APIs, dependencies, and rollout planning
• Excellent communication and stakeholder management skills, with the ability to influence senior leaders and align cross-functional teams
• Strong analytical and strategic thinking skills, with the ability to move fluidly between detail and big-picture strategy
• Experience with marketplace, network, loyalty, or two-sided platform models is a plus
• Experience building wallet, stored value, prepaid, debit, or rewards-linked payment products
• Familiarity with merchant economics, cost-of-acceptance levers, or alternative payment rails such as ACH or pay by bank
• Experience in hospitality, commerce, or local marketplace products