Senior Product Manager, Core Payments
New
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ToastFintech Payments
Remote, USAFull-TimeSenior
Salary125,000 - 254,000 USD per year
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Job Details
- Experience
- 5+ years
- Required Skills
- Data AnalysisMachine LearningProduct ManagementRESTful APIsDistributed Systems
Requirements
- 5+ years of product management experience, focusing on payments, fintech infrastructure, or transaction orchestration.
- Proven track record shipping complex capabilities in core payment flows — such as incremental auth, refund architecture, fallback handling, and multi-gateway orchestration.
- Strong technical fluency — you understand and can work from payment specifications, network mandates, and API definitions.
- Deep familiarity with card networks, processors, and the end-to-end lifecycle of a transaction.
- Experience navigating regional payment differences, acquiring relationships, and compliance requirements across geographies.
- Skilled at leading platform-level initiatives involving distributed systems, asynchronous workflows, and system resilience.
- Natural influencer who can align senior engineers, operations leaders, and external partners.
- Clear and compelling communicator, both written and verbal.
- Data- and outcome-driven, relentlessly focused on real-world impact and system metrics.
Responsibilities
- Design and deliver new payment capabilities such as new authorization types, ML-powered retry logic, intelligent dynamic routing strategies, etc
- Define, prioritize, and deliver roadmap initiatives that improve the reliability, accuracy, and efficiency of Toast’s payment processing systems.
- Lead execution for infrastructure-focused programs such as, resiliency, system migrations, and failover capabilities
- Interpret and apply card scheme rules and processor specifications (e.g., Visa, Mastercard, Amex) to ensure scalable and compliant implementation across the platform.
- Partner closely with engineering to modernize Toast’s transaction layer — including state management, asynchronous workflows, API contracts, and observability tooling.
- Collaborate closely with finance and operations teams on settlement accuracy, reconciliation, cost modeling, and risk mitigation.
- Manage multi-team dependencies with Engineering, Processor Partners, Customer Support, FinOps, and Product Marketing.
- Collaborate with processors and partners to scope new integrations, manage certifications, and expand Toast’s global payment capabilities.
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