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.

Beyond point-of-sale and digital ordering Toast offers financial solutions including Toast Capital that help restaurants access the funding they need to are building a new Embedded Finance Operations footprint in Bengaluru and were looking for the leader who will build it. This role is an extended arm of Toasts US Embedded Finance Operations team (40 people) and is critical as we expand our footprint and international strategy. The role sits within the Embedded Finance Operations organization and partners closely with the US-based underwriting team and its leaders. As Manager of Embedded Finance you will set up and lead a high-performing underwriting function from the ground up working closely with Product Engineering and Risk partners in Bengaluru and with your leadership in the US.

This is a player-coach role. Youll understand the lending business deeply enough to make and review credit decisions yourself while building the team processes and tooling that let the function scale.

The scope is big. This team sits at the center of how Toast uses automation data and AI to change how lending operations work. If youre a lending operations leader who loves building something new brings an automation and analytics mindset and can lead people through change read on!

A day in the life (Responsibilities)

- Build the underwriting function from the ground up. Stand up Toasts Embedded Finance Operations presence in Bengaluru: define the operating model workflows quality standards SLAs and controls for a high-performing underwriting team.
- Lead as a player-coach. Manage a team of underwriters directly and few team members on a dotted line. Stay hands-on with underwriting decisions case reviews and escalations while coaching the team to consistent high-quality outcomes.
- Hire and grow the team. Partner on annual planning to shape headcount and capacity needs then recruit onboard and develop talent as the team expands.
- Drive automation and AI transformation. Find opportunities to automate manual underwriting and operations work and partner with Product and Engineering to build and roll out AI-enabled tools decisioning workflows and self-serve processes.
- Make operations data-driven. Define the metrics that matter (throughput turnaround time decision quality accuracy) and build the BI dashboards and analytics that track performance surface risk and guide decisions.
- Build strong cross-functional partnerships. Act as the operations voice to Product Engineering and Risk stakeholders in Bengaluru. Translate operational insight into product requirements and policy feedback.
- Work as part of a global team. Partner closely with the US-based underwriting team and leaders and with global Embedded Finance counterparts to align on priorities policies and standards across time zones.




- Lead through change. Guide the team through new processes tools and ways of working with clear communication empathy and a steady focus on outcomes.
- Maintain strong risk and compliance discipline. Make sure underwriting practices follow credit policy regulatory expectations and internal controls and support audits and reviews as needed.
- Use AI tools in your own workflow and help set how the team uses them well including how to critically evaluate what they produce.

What youll need to thrive (Requirements)

- 10 years of experience in lending credit or financial services operations with a strong understanding of the lending business and the underwriting lifecycle.
- Hands-on underwriting or credit decisioning experience (small business merchant or commercial lending preferred) with the judgment to make and review complex credit calls.
- Proven people leadership experience: you have managed and grown teams including hiring coaching performance management and building team culture.
- Experience building or scaling an operations function ideally in a new market or a new team.
- A strong background in process automation BI and data analytics. You can work with data directly (e.g. SQL Excel Looker Tableau or similar) and use it to drive decisions.
- A track record of leading teams through change including adopting new tools processes or operating models.
- Excellent relationship-building and stakeholder management skills with the ability to influence Product Engineering and Risk partners without direct authority.
- Experience working in global teams and collaborating across time zones including regular overlap with US-based leadership.
- Strategic thinking combined with an execution-focused roll-up-your-sleeves approach.
- Clear written and verbal communication. You can explain complex operational and credit topics simply to a range of audiences.
- Comfortable using AI-powered tools to improve productivity and decision-making with the judgment to validate what they produce.

What will help you stand out (Nonessential Skills/Nice to Haves)

- Experience in fintech embedded finance or merchant cash advance / small business lending.
- Experience implementing AI or machine-learning-assisted decisioning or workflow automation in an operations setting.
- Experience setting up a new center of excellence or global capability center in India.
- Familiarity with credit risk frameworks fraud prevention or KYC/KYB processes.
- Lean Six Sigma or other process-improvement experience.
- Experience in restaurant hospitality or SMB-focused businesses.

AI at Toast





At Toast one of our company values is that were 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; its 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 Toast Uses AI in its Hiring Process

Throughout the hiring process our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking summarization and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people. We ask that you complete interviews and assessments on your own without real-time AI tools recording or transcription bots unless we tell you otherwise in advance. To learn more: Approach to Hybrid Working

We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a robust culture of connection as we work together to empower the hospitality community regardless of location. Please visit the Locations page on our career site to learn more about our in-office expectations by region: Are the Secret Ingredient in Our Recipe for Success

At Toast our employees are our secret ingredientwhen they thrive we thrive. The restaurant industry brings together people with a wide range of backgrounds experiences and perspectives and we value that same breadth at Toast. We strive to build a culture grounded in authenticity respect and humility where every Toaster has a real opportunity to grow contribute and do their best workraising the bar in delivering exceptional experiences for our customers and each other.

Apply today!

Toast is committed to creating an accessible and inclusive hiring process. As part of this commitment we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you need an accommodation to access the job application or interview process please contact .

------

For roles in the United States it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Required Experience:

Manager

📌 Manager, Embedded Finance Operations (Bengaluru)
🏢 Toast
📍 Bengaluru