Capital & Onboarding Execution Analyst

About the Role
As a Capital & Onboarding Execution Analyst, you'll be at the heart of Toast Capital's customer experience — ensuring smooth, accurate, and efficient onboarding of merchants into our lending and funding programs. You'll manage data-driven onboarding workflows, identify process gaps, and drive operational excellence across the lifecycle.

What You'll Do
- Oversee and execute onboarding steps for new capital customers — from documentation and KYC to funding activation.
- Manage onboarding data pipelines, ensuring accuracy, completeness, and timely updates.
- Analyze onboarding trends to identify bottlenecks and recommend process improvements.
- Partner with compliance, finance, and engineering to resolve onboarding exceptions.
- Maintain playbooks, process documentation, and performance dashboards.
- Support testing and validation of new onboarding tools or automation initiatives.
- Continuously improve the merchant onboarding experience through data insights.

Do you have the right ingredients*? (Requirements)
- Bachelor's or Master's in Industrial Engineering, Business Analytics, or a related field.
- Strong data and process orientation; proficiency in SQL, Excel/Google Sheets, and dashboards.
- Detail-oriented with experience managing structured workflows or pipelines.
- Excellent cross-functional communication skills — can bridge between product, ops, and compliance.
- Comfort with ambiguity and process iteration in a scaling environment.
- Experience in fintech, financial services, or SaaS onboarding operations a plus.

You'll Thrive If You
- Enjoy turning complex, multi-step processes into smooth, data-driven systems.
- Get satisfaction from executing flawlessly while improving efficiency.
- Are energized by building scalable, customer-first operational systems.

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 

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:

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

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