Manager, Embedded Finance Operations

Bangalore · 10+ years experience · Hybrid · Posted Oct 12, 2026

At a glance

Toast is building a new Embedded Finance Operations footprint in Bengaluru and is seeking a leader to build and manage it.
This role functions as a player-coach who will set up and lead a high-performing underwriting function from the ground up while staying hands-on with lending decisions.
The position sits within the Embedded Finance Operations organization and partners closely with US-based underwriting, Product, Engineering, and Risk teams.

Build the underwriting function from the ground up by defining the operating model, workflows, quality standards, SLAs, and controls for the Bengaluru presence.
Manage a team of underwriters directly and lead as a player-coach with hands-on underwriting decisions, case reviews, and escalations.
Partner on annual planning to shape headcount and capacity needs, and recruit, onboard, and develop talent as the team expands.
Find opportunities to automate manual underwriting and operations work, partnering with Product and Engineering to roll out AI-enabled tools and decisioning workflows.
Define metrics that matter and build BI dashboards and analytics to track performance, surface risk, and guide decisions.
Act as the operations voice to Product, Engineering, and Risk stakeholders in Bengaluru and translate operational insight into product requirements.
Partner closely with the US-based underwriting team and global Embedded Finance counterparts to align on priorities and standards across time zones.
Guide the team through new processes, tools, and ways of working with clear communication and a focus on outcomes.
Ensure underwriting practices follow credit policy, regulatory expectations, and internal controls while supporting audits and reviews.
Use AI tools in your own workflow and help set how the team uses them effectively while critically evaluating what they produce.

10+ years of experience in lending, credit, or financial services operations, with a strong understanding of the lending business and underwriting lifecycle.
Hands-on underwriting or credit decisioning experience, with the judgment to make and review complex credit calls.
Proven people leadership experience managing and growing teams, including hiring, coaching, performance management, and building team culture.
Experience building or scaling an operations function in a new market or a new team.
A strong background in process automation, BI, and data analytics with the ability to work with data directly.
A track record of leading teams through change, including adopting new tools, processes, or operating models.
Excellent relationship-building and stakeholder management skills to influence Product, Engineering, and Risk partners without direct authority.
Experience working in global teams and collaborating across time zones, including regular overlap with US-based leadership.
Strategic thinking combined with an execution-focused, roll-up-your-sleeves approach.
Clear written and verbal communication to explain complex operational and credit topics simply.

Experience in fintech, embedded finance, or merchant cash advance / small business lending.
Experience implementing AI or machine-learning-assisted decisioning or workflow automation in an operations setting.
Experience setting up a new center of excellence or global capability center in India.
Familiarity with credit risk frameworks, fraud prevention, or KYC/KYB processes.
Lean, Six Sigma, or other process-improvement experience.
Experience in restaurant, hospitality, or SMB-focused businesses.