Senior Product Manager, Consumer Payments

Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy. We are looking for a Senior Product Manager, Consumer Payments to lead Toast’s consumer payments strategy and product area. This role will shape how diners pay across the Toast ecosystem, while also helping restaurants benefit from more seamless experiences, stronger guest loyalty, and improved economics. In this role, you will define and drive the strategy, roadmap, and execution for consumer payment experiences at Toast. This includes card and stored value experiences, guest checkout innovation, loyalty- and rewards-linked payments, and emerging payment methods that improve both the guest experience and cost of acceptance. You will work cross-functionally with teams across Consumer, Payments, Engineering, Design, Data, Risk, Operations, Partnerships, Legal, Finance, and Go-to-Market to turn an ambitious vision into a scalable and differentiated product portfolio. This role sits at the intersection of consumer experience, payments innovation, and business strategy, and requires strong product judgment, technical fluency, leadership, and comfort operating in ambiguity. A day in the life (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. Do you have the right ingredients?* (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. Special Sauce* (Nice to Have) 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 hosp