Responsibilities
Team Overview:
The Financial Service Strategy and Business Analytics team focuses on strategic research and commercial analysis across global fintech and lending markets, covering areas such as consumer lending, merchant financing, payments, unit economics, competitive landscape analysis, and growth strategy across emerging markets.

This role will be based onsite at our office and will require a 5-day onsite work arrangement.

Responsibilities
1. Industry Research & Strategic Analysis: Continuously track fintech and lending market developments across Southeast Asia and Latin America, including consumer lending and merchant financing. Analyze the product strategies, business models, and operating dynamics of leading regional and global players to identify strategic risks, market opportunities, and growth potential.
2. Mid-to-Long-Term Strategy Planning: Support the development of 3–5 year strategic roadmaps for consumer and merchant lending products across SEA and LATAM. Define country and product priorities, develop user and merchant penetration strategies, and build localized partnership ecosystems including issuers, acquirers, payment partners, and funding institutions to support sustainable business expansion.
3. Strategic Support & Business Growth: Act as a strategic partner to the Payments and Financial Services organization, working closely with Product, Risk, Funding, and E-commerce teams to identify key growth drivers across both user and merchant ecosystems. Combine strategic thinking with data-driven analysis to uncover core business insights and support KPI growth.
4. Problem Solving & Execution: Proactively identify critical business challenges, lead strategic deep-dives and cross-functional discussions, develop actionable solutions, and coordinate internal and external stakeholders to drive efficient execution and business impact.

Qualifications
Minimum Qualifications
- Bachelor's degree or above in Economics, Business, Finance, Mathematics, Statistics, or related fields, with 5+ years of experience in strategy, consulting, investment, fintech strategy, or business analytics;
- Familiar with the core business models of the digital lending and payments industry across SEA and/or LATAM, including acquiring, issuing, and fee structures, with strong understanding of lending profitability and operational models;
- Strong strategic thinking and analytical capabilities, with experience in market sizing, strategic frameworks, competitive analysis, and operational deep-dives;
- Ability to independently conduct market and competitor research;
- Proficient in at least one of SQL, Python, or Excel for data extraction and modeling, including user- and merchant-level attribution analysis;
- Strong cross-functional communication and stakeholder management skills;

Preferred Qualifications
- Prior experience in payments, lending, BNPL, or fintech businesses;
- Experience in cross-regional projects (SEA + LATAM) or company-level strategic initiatives.

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.

Financial Services Strategy, lead (SG) - Global Payment