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Manager, Embedded Finance OperationsToast · Bangalore
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Manager, Embedded Finance Operations

🗓️ Posted 2026-10-12 Bangalore Hybrid General
💰 Salary Not shared 📊 Market ₹110,000–₹180,000/mo

About the Company

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 grow.

About the Role

We are building a new Embedded Finance Operations footprint in Bengaluru, and we're looking for the leader who will build it. This role is an extended arm of Toast's 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. You'll 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.

Responsibilities

  • ● Build the underwriting function from the ground up, establishing Toast's Embedded Finance Operations presence in Bengaluru by defining the operating model, workflows, quality standards, SLAs, and controls for a high performing underwriting team.
  • ● Lead as a player coach by managing a team of underwriters directly and a few team members on a dotted line, staying hands on with underwriting decisions, case reviews, and escalations while coaching the team to consistent, high quality outcomes.
  • ● Hire and grow the team by partnering on annual planning to shape headcount and capacity needs, then recruiting, onboarding, and developing talent as the team expands.
  • ● Drive automation and AI transformation by finding opportunities to automate manual underwriting and operations work, and partnering with Product and Engineering to build and roll out AI enabled tools, decisioning workflows, and self serve processes.
  • ● Make operations data driven by defining the metrics that matter-throughput, turnaround time, decision quality, and accuracy-and building BI dashboards and analytics that track performance, surface risk, and guide decisions.
  • ● Build strong cross functional partnerships by acting as the operations voice to Product, Engineering, and Risk stakeholders in Bengaluru, translating operational insight into product requirements and policy feedback.
  • ● Work as part of a global team by partnering 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 by guiding 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 by ensuring underwriting practices follow credit policy, regulatory expectations, and internal controls, and supporting audits and reviews.