Responsibilities
In line with the globalization strategy and vision of the company, the Global Payments team builds a platform to provide cross-border payment solutions for all ByteDance's products and services, that are growing rapidly worldwide. The Risk team is responsible for the design, implementation and monitoring of the fraud risk framework including rule writing to ensure both users and monetary fund sources are legitimate, thus reducing fraud ,chargebacks and other malicious activities on the platforms.

Responsibilities:
1. Responsible for assessing and managing the risk of credit business, ensuring the safety and stability of the business.
2. Conduct risk assessment of credit business, and formulate corresponding risk management strategies based on the results.
3. Monitor and analyze risk indicators of credit business, and alert and handle exceptions.
4. Participate in the development and implementation of credit business risk management policies and processes.
5. Collaborate with business departments and other relevant departments to jointly control and reduce business risks.
6. Regularly submit risk assessment reports and recommendations to support business decisions.

Qualifications
Minimum Qualifications:
1. Bachelor's degree or above, majoring in finance, economics, statistics, or related fields.
2. At least 3 years of work experience in risk strategies and models for credit risk assessment in consumer credit and e-commerce scenarios.
3. Excellent data analysis and statistical skills, able to skillfully use risk management tools and software.
4. Proficient in using SQL and Python for tree models and Machine Learning to conduct Risk Analysis and strategy optimization.
5. Has asset management experience in Buy Now Pay Later(BNPL) or credit card, with over 3 years of experience in pre-loan and in-loan strategy work, and can be responsible for portfolio management and monitoring.
6. 3 years and above of experience working in multinational fintech or payment companies.
7. Good communication and teamwork skills, able to work closely with business departments and other relevant departments.

Preferred Qualification:
1. Strong sense of responsibility and execution ability, able to solve problems independently and complete tasks on time.

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 Risk Strategy Expert - Global Payment