Senior Android Engineer - Embedded Finance

Toast builds the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love. Our Embedded Finance division develops financial products tailored specifically to restaurants, including bank accounts, debit and credit cards, and loans. We’re looking for an Android Software Engineer III to join our Banking team in Dublin, part of Toast’s Embedded Finance division. You’ll help build new financial capabilities in the ToastNow Android app, giving restaurant owners convenient access to the tools they need to manage their finances. A day in the life (Responsibilities) • Own the development and delivery of Banking features in the ToastNow Android app • Work with product, design, and engineering partners to shape features and technical solutions • Collaborate with the US-based ToastNow Android team on architecture, feature integration and delivery • Build reliable, maintainable and well-tested experiences that make financial tasks straightforward for restaurant owners • Partner with teams across Toast to deliver cohesive solutions • Leverage cutting edge AI tools to enhance your development workflow, improve velocity, and help pioneer new approaches to building - contributing to a culture of innovation and productivity across the team. **This is a hybrid role requiring two days per week in the Dublin office** What you'll need to thrive (Requirements) • Experience building Android applications with Kotlin, Jetpack Compose, coroutines and Flow • Experience with modern Android architecture including patterns such as MVI • Ability to take ownership of features from technical design through delivery • Proactive communication and cross-team collaboration skills • Passion for creating exceptional user experiences The icing on the cake* (Nice-to-haves) • Familiarity with Compose-based presentation and state-management approaches such as Circuit or Molecule • Consumer fintech experience • iOS development experience to support collaboration with ToastNow iOS engineers 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 . 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. We ask that you complete interviews and assessments on your own, without real-time AI tools, recording, or transcription bots, unless we tell you otherwise in advance. 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 t