Capital Collections Specialist I

Fintech

Capital Collections Specialist I

• R13045

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Who We Are

Toast is driven by building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love.

Toast Capital is a wholly-owned subsidiary of Toast, Inc. that offers Toast restaurant customers access to fast and flexible funding for any business need. The Toast Capital team is seeking a highly-motivated Toast Capital Collections Specialist I who will play an active role in working to recover outstanding balances of Toast Capital Loans. In this role, you will be an ambassador of the Toast Capital brand and proliferate Toast Capital’s goal to empower restaurants financially to thrive and do what they love. This individual’s efforts will have a significant impact on the long-term success of a rapidly growing product for Toast.

About this roll\* (Responsibilities)

• Manage delinquent accounts across different lending products
• Communicate with customers to negotiate payoffs and payment plans for outstanding balances on their account
• Work cross functionally with billing, accounting, and operational risk teams
• Address customer questions, concerns, and inquiries related to outstanding transactions
• Track and report portfolio performance metrics
• Assist with process improvement initiatives for Toast Capital Collections

Do you have the right ingredients\*? (Requirements)

• 1-2 years of relevant collections experience in the lending field
• Ability to work under pressure and strong attention to detail
• Ability to follow process and procedure throughout complex customer interactions.
• Highly organized, self-motivated, flexible, and adaptable
• Strong written and verbal communication skills
• Ability to navigate complex customer problems while ensuring conversations are compliant with Toast Capitals program requirements

Special sauce**\* (Nice to Haves)

• Familiarity with Salesforce and Excel
• SQL is a plus

AI at Toast

At Toast 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 Spread\* of Total Rewards

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.

\*Bread puns encouraged but not required

The base salary range for this role is listed below. The starting salary will be determined based on skills and experience. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions, if eligible), benefits, and equity (if eligible).

Pay Range

$22—$36 USD

**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.

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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.

Bready\* for a change?

Apply now

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Life at Toast Blog

Toaster Spotlight: Marshall H., Facilities Manager

Designing Our Future, Together

Meet the Leader: Mike Gutner, Chief People Officer

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We invite applicants to share their demographic background information as part of the application. This information will be used for compliance purposes as well as to identify areas of improvement in our hiring process. Completion of this form is voluntary, and individuals may select “I don’t wish to answer” in response to any demographic questions. Your responses to demographic questions will not affect your application status. By submitting your application, you acknowledge and consent to the use of your information for the purposes described above.

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Notice on fraudulent jobs

We have been made aware of instances of fraudulent job postings and/or fraudulent recruiting activity by bad actors, purporting to represent Toast. These fraudulent schemes often seek monetary contributions or payments from job seekers (such as for "start up costs" or "equipment"), or seek to collect sensitive personal or banking information from job seekers. These job postings and offers are not authorized by Toast, and Toast is not responsible for fraudulent offers or requests for personal information or payments. Toast will never ask for any financial commitment or contribution from a candidate at any stage of the recruitment process. Candidates who have questions about the validity of Toast job postings or offers should consult the job postings on our careers.toasttab.com career site. If you think you've been scammed, reference this site for more info.

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