Responsibilities
About The Team
The Global Payment team of ByteDance provides payment solutions - including payment acquisitions, disbursements, transaction monitoring, payment method management, foreign exchange conversion, accounting, reconciliations, and so on to ensure that our users have a smooth and secure payment experience on ByteDance platforms including TikTok.

Responsibilities:
1. Manage day-to-day asset management operations for consumer credit portfolios, with a strong understanding of lending business models and product structures.
2. Build and optimize cash flow and portfolio allocation models, balancing yield, liquidity, and risk.
3. Support funding partners on cost analysis, pricing discussions, and structured product operations; provide recommendations on asset allocation and issuance strategy.
4. Establish and monitor key portfolio metrics, risk indicators, and early warning mechanisms.
5. Improve forecasting and quantitative analysis capabilities to enhance asset management strategy and decision-making.
6. Partner with cross-functional teams to drive system and product capabilities for long-term asset management operations.

Qualifications
Minimum Qualification(s):
1. Bachelor's degree or above in Finance, Accounting, Economics, or a related field.
2. 3+ years of experience in credit management, asset management, or consumer finance.

Preferred Qualification(s):
1. Familiar with funding cost pricing logic in consumer lending and financing or securitization solutions in Southeast Asia.
2. Strong analytical thinking and learning agility.

About Us
Founded in 2012, ByteDance's mission is to inspire creativity and enrich life. With a suite of more than a dozen products, including TikTok, Lemon8, CapCut and Pico as well as platforms specific to the China market, including Toutiao, Douyin, and Xigua, ByteDance has made it easier and more fun for people to connect with, consume, and create content.

Why Join ByteDance
Inspiring creativity is at the core of ByteDance's mission. Our innovative products are built to help people authentically express themselves, discover and connect – and our global, diverse teams make that possible. Together, we create value for our communities, inspire creativity and enrich life - a mission we work towards every day.
As ByteDancers, we strive to do great things with great people. We lead with curiosity, humility, and a desire to make impact in a rapidly growing tech company. By constantly iterating and fostering an Always Day 1 mindset, we achieve meaningful breakthroughs for ourselves, our Company, and our users. When we create and grow together, the possibilities are limitless. Join us.
Diversity & Inclusion
ByteDance is committed to creating an inclusive space where employees are valued for their skills, experiences, and unique perspectives. Our platform connects people from across the globe and so does our workplace. At ByteDance, our mission is to inspire creativity and enrich life. To achieve that goal, we are committed to celebrating our diverse voices and to creating an environment that reflects the many communities we reach. We are passionate about this and hope you are too.

Credit Asset Management Specialist - Global Payment