Capital Markets Principal

About the role

The Capital Markets Team at Toast is seeking a Principal to support the lending and financing activities of the Toast Capital Loan Program. This role plays a crucial part in scaling the lending business and involves working closely with stakeholders across the Fintech business line.

Responsibilities

• Perform analysis and build financial models to inform capital markets decisions
• Create and manage ongoing ABS-style reporting and audit cadences
• Establish and maintain relationships with external capital teams
• Negotiate and execute new capital commitments in the form of private credit arrangements
• Collaborate with Risk, R&D, Strategic Finance, Accounting, Product, Legal, Compliance, and Operations teams
• Build presentations to explain complex concepts and deliver key information to various audiences

Requirements

• 7+ years of professional experience, including 3+ years specifically within capital markets, corporate treasury, or investment banking
• Bachelor's Degree in 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
• Strong communication skills and stakeholder management skills

What will help you stand out

• 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 to various financing structures
• Experience with big data analytics, including the use of Python and other data programming languages
• Experience managing bank and investor relationships
• Ability to assess and negotiate complex legal documents

Total Rewards

We offer a comprehensive total rewards package that includes competitive compensation, benefits, and flexible work arrangements to support a healthy lifestyle and meet individual needs. Learn more about our benefits at https://careers.toasttab.com/toast-benefits.

AI at Toast

At Toast, we believe in using AI tools to empower our customers and build for them 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.

Pay Range

The base salary range for this role is $92,000—$147,000 USD. The starting salary will be determined based on skills, experience, and geographic location.

Hiring Process

We use AI tools to support our recruiters and interviewers with tasks like note-taking, summarization, and documentation of interviews to ensure they can focus on your conversation. All hiring decisions are made by people.

Accessibility

Toast is committed to creating an accessible and inclusive hiring process. If you need an accommodation to access the job application or interview process, please contact candidateaccommodations@toasttab.com.