Payments Pricing Analyst II

About the role

Payments Pricing & Operations Analyst II at Toast is a position deeply embedded in the financial mechanics of the business, requiring a high level of ownership and precision. The hire will serve as a critical guardian of revenue integrity within the complex ecosystem of card processing economics. This role demands the ability to translate intricate fee structures into clear narratives for diverse stakeholders, from sales teams to executive leadership. You will own the analysis and communication of payments pricing, ensuring that every transaction aligns with strategic objectives. Success in this position requires a blend of technical analytical rigor and the interpersonal skills to manage difficult financial conversations. The position is central to protecting margins and enabling scalable growth for Toast's merchant base. You will be expected to act as both a data detective and a trusted advisor, using your expertise to navigate ambiguity and drive clarity.

Key facts

What you'll do

• Analyze payments pricing for current and prospective customers to verify rate structures align precisely with Toast's business goals and risk parameters.
• Explain card processing mechanics, including interchange fees, network charges, and scheme assessments, to both internal stakeholders and external clients with clarity.
• Evaluate complex custom rate requests, determine appropriate pricing adjustments, and articulate decisions with a clear, data-driven rationale.
• Act as a payments subject matter expert for the sales organization, guiding deal pricing discussions and elucidating the direct impact on profit margins.
• Review detailed card processing statements to identify anomalies, discrepancies, and trends, subsequently proposing and driving corrective actions.
• Manage end-to-end operational workflows that directly impact Toast Payments, identifying and removing bottlenecks while documenting procedures for consistency.
• Support Sales Enablement by developing and maintaining training materials and frameworks that standardize pricing messaging across the organization.
• Leverage data to pinpoint process improvement opportunities and spearhead initiatives that enhance operational scalability and efficiency.
• Collaborate daily with department leaders to review critical metrics, diagnose operational issues, and recommend timely, actionable solutions.
• Utilize advanced analytical techniques to forecast pricing impacts, ensuring that strategic decisions are backed by robust financial modeling.

Requirements

• Hold a Bachelor's Degree in Finance, Business, or a closely related field; this academic background is mandatory for the position.
• Possess 2 to 4 years of professional experience in analytical or operations roles, with a preference for candidates with customer-facing responsibilities.
• Demonstrate consistent proficiency in email, phone, and video communication to interact effectively with internal and external partners.
• Show an established ability to navigate difficult conversations while maintaining a high degree of professionalism and composure.
• Exhibit advanced skills in Excel and Google Sheets, as these tools are essential for building and manipulating financial models.
• Have significant experience preparing in-depth presentation materials tailored for multilevel audiences, from individual contributors to executives.
• Maintain a proven track record of contributing to strategic departmental projects from the initial concept phase through successful delivery.
• Demonstrate strong organizational skills, exceptional time management, and rigorous written communication abilities that are nonnegotiable for the role.

Nice to have

• Direct experience in the card processing industry is preferred to provide a deeper understanding of market dynamics and competitive positioning.
• A background in relationship management is beneficial when advising clients on complex billing and pricing matters.
• Familiarity with large data sets, SQL, and analytics tools such as Sigma or Hex allows for rapid testing, validation, and insight generation.
• Experience working within a high-growth technology company is advantageous for adapting to fast-moving priorities and ambiguous challenges.

Practical notes

The compensation for this role is explicitly listed as $120,000.00 per year. The engagement type is full-time, and the position is remote based within the United States.