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 Manager 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. 

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.