Senior Analyst, Payments Optimization

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. Are you bready* for a change? As a Senior Analyst on the Payments Optimization team, you will prioritize and spearhead initiatives that will refine and optimize transaction processing workflows for Toast Payments. You will collaborate on initiatives with other Toast teams across Product, Engineering, and Operations. This role will lead to significant business impact. A day in the life (Responsibilities) Architect Real-Time Monitoring: Design, build, and maintain automated dashboards that provide near real-time visibility into payment health and processing efficiency. Performance Deep-Dives: Use advanced SQL to identify micro-trends in payment success rates, interchange costs, and processor latency. Operational Excellence: Develop and deploy sophisticated alerting frameworks to catch processing anomalies before they impact our merchants. Cross-Functional Engineering: Partner directly with Data Engineering and BI to optimize data schemas and ensure "source of truth" reliability for all payment metrics. Strategic Ideation: Move beyond reporting; use data to propose architectural changes to our payment routing and processing logic. What you'll need to thrive (Requirements) Expert SQL Proficiency: You are an absolute pro at writing complex, performant queries (CTEs, Window Functions, Optimization) against massive, messy datasets. Data Visualization Mastery: Proven track record of building high-impact dashboards in tools like Tableau, Looker, or Sigma. You know how to tell a story with data, not just dump charts on a page. 3+ years of Analytics Experience: Specifically in roles where you were responsible for data modeling and technical insights. Technical Rigor: Extreme attention to detail. In payments, a 0.01% variance is a big deal and you’re the person who finds out why. Payment Background: Prior experience navigating the complexities of payment gateways, processors, or card networks. What will help you stand out (Nonessential Skills/Nice to Haves) Python/R for Data Science: Experience using scripting languages for automated data cleaning or statistical modeling. 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. #LI-REMOTE The base salary range for this role is listed below. The starting salary will be determined based on skills, experience, and geographic location. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions if eligible), equity, and benefits. You can learn more about how we align pay with local labor markets in our Geographic Pay Zone Philosophy. Zone A $91,000—$146,000 USD Zone B $79,000—$126,000 USD Zone C $72,000—$115,000 USD How 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. To learn more: https://careers.toasttab.com/ai-in-hiring Diversity, Equity, and Inclusion is Baked into our Recipe for Success At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry is one of the most diverse, and we embrace that diversity with authenticity, inclusivity, respect, and humility. By embedding these principles into our culture and design, we create equitable opportunities for all and raise the bar in delivering exceptional experiences. We Thrive Together We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong culture of connection as we work together to empower the restaurant community. To learn more about how we work globally and regionally, check out: https://careers.toasttab.com/locations-toast. 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 candidateaccommodations@toasttab.com. ------ 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.