Product Analyst (Hybrid or Remote)

xpate

At xpate, we are building modern payment infrastructure for businesses operating across borders. Our platform combines acquiring, banking, compliance, and automation into a single ecosystem that helps companies scale globally. We are looking for a System Analyst who is comfortable working in complex technical environments and can bridge business needs with engineering execution. This role requires strong analytical thinking, solid understanding of fintech and payment systems, and the ability to translate product and business goals into clear technical requirements. YOUR ROLE AT XPATE: * Analyze, document, and continuously improve our acquiring platform, banking rails, and payment infrastructure. * Work closely with Product, Engineering, and business stakeholders to translate business requirements into clear system requirements, technical specifications, and solution designs. * Participate in the integration of new payment providers, banking partners, and external services. * Define system workflows, data flows, API requirements, integration logic, and acceptance criteria for new and existing product initiatives. * Collaborate with engineering teams to design solutions for current technical challenges and future business goals. * Review technical implementation details where needed, including API contracts, data models, logs, and, when relevant, code-level logic. * Contribute to improvements in scalability, reliability, automation, and operational efficiency across payment and banking processes. * Prepare and maintain high-quality documentation, including functional specifications, process diagrams, user stories, acceptance criteria, API documentation, and technical notes. * Identify opportunities for automation, process optimization, and platform improvements. * Support delivery by clarifying requirements, validating implemented solutions, and ensuring alignment between business objectives and technical execution. * Contribute to an ambitious product roadmap in a fast-growing fintech environment. WE’RE READY TO MEET YOU, IF… * 3+ years of experience as a System Analyst, Business Systems Analyst, or Solution Analyst, preferably in fintech, payments, banking, or financial systems. * Strong experience documenting business processes, system integrations, APIs, technical workflows, and solution logic. * Solid understanding of payment processing, card acquiring, banking integrations, or financial infrastructure. * Experience working closely with software engineers in product teams. * Good understanding of AWS services and cloud-based architectures. Experience with services such as DynamoDB, Lambda, Aurora DB, SQS, EventBridge, or similar tools is a strong advantage. * Ability to read technical documentation, analyze API behavior, understand data flows, and work with technical implementation details. * Ability to review code logic or technical implementation at a basic level is a plus. * Strong analytical thinking and the ability to break down complex technical problems into clear requirements and practical solutions. * Experience with Jira, Confluence, BPMN, UML, sequence diagrams, or similar documentation and modelling tools. * Strong communication skills and confidence working with both technical and non-technical stakeholders. * English level B2+ or higher, as you will work in an English-speaking team. * High personal ownership, proactive mindset, and genuine motivation to build and improve products. * Practical experience using AI tools to speed up analysis, documentation, problem-solving, or research. WHAT WORKING AT XPATE LOOKS LIKE: * A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker. * Enjoy flexible working hours, hybrid / remote work options, private health insurance and generous paid time off giving you the balance you need to perform at your best. * Apple hardware and modern work tools to support your workflow. * Extra personal time off for rest and recharge: 12 additional days per year, plus your birthday off. * Private health insurance and wellness benefits. * Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem. WHY JOIN XPATE? You will join a fintech product with ambitious business goals, complex technical challenges, and a substantial roadmap. This is an opportunity to work on real payment infrastructure, influence system design, and contribute directly to the development of scalable acquiring and banking solutions.

Toast

Location: Boston Preferred  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. The Kitchen Operations team owns one of Toast's most operationally critical and strategically exciting products: the Kitchen Display System (KDS). Deployed across tens of thousands of restaurants, Toast KDS is the connective tissue between front-of-house and back-of-house, routing tickets to the right prep stations, managing order sequencing, and helping kitchens run fast and accurately under pressure. KDS has strong growth across SMB, enterprise, and international segments. Our vision is KDS in the vast majority of Toast kitchens within the next few years. Getting there means three things: supporting the most sophisticated enterprise kitchen workflows in the market, differentiating through kitchen data and AI-powered operational insights, and growing adoption among the restaurants that still run on paper tickets. This is a high-ownership, high-visibility role at the intersection of restaurant operations, hardware-software product, and applied AI. You'll shape how hundreds of thousands of kitchen workers run their stations every day — and you'll be the one building the data and agent layer that lets kitchens run smarter, not just faster. A day in the life (Responsibilities)  * Own and drive the KDS product strategy — enterprise workflow depth, data differentiation, SMB attach growth, and the agentic AI roadmap — connecting investments to Toast's kitchen adoption vision and near-term business outcomes including ARR growth, support ticket reduction, and enterprise retention. * Define where agentic AI creates real value in the kitchen: proactive prep time adjustments based on real-time order load, automatic kitchen configuration changes tied to labor schedules or ordering channel mix, intelligent ticket routing and load balancing — and build the investment case to pursue the highest-leverage bets. * Own KDS delivery end-to-end, working directly with large restaurant groups to translate complex, high-stakes workflow requirements into scalable product decisions that serve the whole market. * Lead the KDS kitchen data strategy: define what kitchen efficiency insights should look like for operators at every scale, from API-first analytics for enterprise operators to actionable reporting for SMBs, and sequence the investments to unlock it. * Shape and validate the business case for the next-generation KDS strategy — the long-horizon bets that drive future growth. What you'll need to thrive (Requirements) * Proven experience defining and owning product strategy for a complex, operationally critical product — bonus points if it spans hardware and software and/or have experience in food & beverage. * Creative and strategic: you don't just optimize existing products — you identify the next meaningful bet, make the case for it, and drive it from zero to conviction. * Curiosity and a point of view on AI and agentic product opportunities in operational environments — you don't need to have shipped an agent, but you should have a clear perspective on where autonomous action creates real value vs. real risk. * Track record of working directly with enterprise customers, translating nuanced, high-stakes workflow requirements into product decisions that scale well beyond a single logo. * Strong instincts for the SMB operator: you understand what it means to run a restaurant kitchen without a data analyst, an IT team, or a change management budget — and you can build for that reality. * Executive presence to drive alignment without authority across engineering, design, enterprise customer success, sales, and product leadership in a high-stakes, cross-functional environment. AI at Toast At Toast, one of our company values is that 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 Total Rewards Philosophy 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. The base salary range for this role is listed below. The starting salary will be determined based on skills, experience, and geographic location. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions if eligible), equity, and benefits. You can learn more about how we align pay with local labor markets in our Geographic Pay Zone Philosophy. Zone A $190,000—$304,000 USD Zone B $165,000—$264,000 USD Zone C $149,000—$238,000 USD How Toast Uses AI in its Hiring Process Throughout the hiring process, our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking, summarization, and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people. To learn more: https://careers.toasttab.com/ai-in-hiring Our Approach to Hybrid Working 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 hospitality community, regardless of location. Please visit the Locations page on our career site to learn more about our in-office expectations by region: https://careers.toasttab.com/locations-toast 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. ------ 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.

Toast

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. The Enterprise Data Solutions (EDS) team at Toast is on a mission to deliver a trusted, scalable, and governed data foundation that empowers every team at Toast to make decisions with speed and confidence. As Toast scales and AI becomes central to its product and operational strategy, EDS serves as the engine behind that ambition, building the data infrastructure, governance frameworks, and data products that every business function depends on. The Analytics Engineer will play an integral role on our Enterprise Data Solutions (EDS) team. This person will have the chance to build and support our core Analytics layer in Toast’s enterprise data warehouse and define a scalable data architecture that enables federated analytics teams across all enterprise data domains. The ideal candidate has high standards for their work, and for that of their peers. They should demonstrate a practical expertise in building enterprise data solutions at scale, identifying opportunities to improve user experience, and pushing the envelope of data modeling. We are looking for a motivated, energetic candidate with experience creatively solving data complexities of various sizes and levels of cleanliness - with the ultimate goal of enabling analytics engineers, data engineers, analysts, product managers, and peers throughout Toast to make data-informed decisions.   A day in the life (Responsibilities) * Collaborate with domain teams to implement a hub & spoke data architecture * Develop the core Analytics layer in our data warehouse that serves as the hub, defining complex business logic in SQL and supplying relevant business context * Build an AI-ready semantic layer that is extendable across business domains * Partner with business stakeholders and our product team to understand their data analytics needs, and ensure those needs are met by our Analytics layer * Work closely with the data engineering team to ensure scalability across the platform * Provide technical mentorship and leadership to team members   What you'll need to thrive (Requirements) * 6+ years experience in Business Intelligence, Analytics, and/or Data Engineering roles. * 4+ years experience with developing data modeling strategies. * 3+ years experience developing in dbt.  * Highly proficient in SQL. You can interpret and optimize queries, for performance, written by other analysts and engineers. * Thrive in a fast-paced work environment and comfortable operating under ambiguity. You are up to the challenge of designing standards and best practices from the ground up, and love collaborating with colleagues to solve complex problems. * Bachelor's degree in an advanced quantitative field (or equivalent experience); such as mathematics, economics/finance, computer science, or physical science. Special Sauce* (Nonessential Skills/Nice to Haves):  * Experience with Airflow * Experience with Sigma, Hex, and/or other BI dashboard tools * Experience in cloud-based data warehouses, specifically Snowflake. * Experience with Python is a plus   AI at Toast At Toast, one of our company values is that 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 Total Rewards Philosophy  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. #LI-Remote The base salary range for this role is listed below. The starting salary will be determined based on skills, experience, and geographic location. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions if eligible), equity, and benefits. You can learn more about how we align pay with local labor markets in our Geographic Pay Zone Philosophy. Zone A $159,000—$254,000 USD Zone B $138,000—$221,000 USD Zone C $125,000—$200,000 USD How Toast Uses AI in its Hiring Process Throughout the hiring process, our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking, summarization, and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people. To learn more: https://careers.toasttab.com/ai-in-hiring Our Approach to Hybrid Working 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 hospitality community, regardless of location. Please visit the Locations page on our career site to learn more about our in-office expectations by region: https://careers.toasttab.com/locations-toast 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. ------ 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.