Responsibilities
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.

We are seeking a results-driven talent to own end-to-end growth, promotions, and loyalty strategy for our consumer digital card business. You will lead the design and execution of innovative online rewards, cashback, and incentive programs to drive card adoption, usage, and retention, drawing on best practices from leading banks and fintech players. You will own core KPIs including MAC, TPV, and customer lifetime value.

- Strategy & Program Design
- Develop and execute end-to-end card growth, promotion, and loyalty strategy focused on online-first rewards, in alignment with our digital-first value proposition
- Own design of cashback structures, reward tiers, campaign mechanics, and incentive policies, reward validity periods, and redemption rules to maximize user engagement while optimizing ROI
- Benchmark against industry best practices from global banks and leading fintechs to create differentiated rewards experiences that drive advantage
- Growth Execution
- Launch and iterate on targeted acquisition, activation, and retention campaigns across e-Commerce and other high-intent consumer touchpoints
- Design segmented campaigns for new users, dormant users, and high-value users to drive continuous growth in MAC and TPV
- Collaborate with product, operations, and payment network partners (such as Stripe, bank partners) to implement reward program infrastructure and ensure seamless user experience
- Measurement & Optimization
- Define, track, and report on core business KPIs: MAC, total payment volume (TPV), activation rate, retention rate, reward redemption rate, and program ROI
- Build data-driven experimentation frameworks to A/B test program features, campaign creatives, and incentive structures, iterating rapidly to maximize performance
- Conduct regular cohort analysis to identify high-value user segments and optimize reward allocation to maximize returns on marketing spend
- Partnership & Stakeholder Management
- Collaborate with commercial teams to align card benefits with merchant partner offerings, creating exclusive rewards that drive usage
- Work with risk, finance, and compliance teams to ensure all programs adhere to regulatory requirements and financial sustainability targets
- Manage relationships with payment networks and bank partners to leverage joint promotion opportunities
- This role will be based onsite at our office and will require a 5-day onsite work arrangement

Qualifications
Minimum Qualification(s):
- 5+ years of experience in card marketing, loyalty program management, or payments growth roles at a bank, fintech, or consumer internet company with a focus on card growth and launches
- Proven track record of designing and launching customer-facing rewards or cashback programs that drove measurable growth in card usage, live users, or TPV
- Strong data analysis skills, with experience using data to inform strategy, measure program performance, and optimize ROI

Preferred Qualification(s):
- Previous experience at a digital bank or regional banks or leading fintech
- Deep understanding of online-first reward mechanics, e-Commerce promotions, and digital payment user behavior
- Experience managing end-to-end P&L for card programs or loyalty products
- Hands-on experience working with payment networks (Mastercard, Stripe) and card issuing partners
- Experience building and optimizing loyalty programs for consumer-facing digital products at scale
- Strong cross-functional stakeholder management experience, with ability to align product, engineering, compliance, and commercial teams toward shared growth goals

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.

Card Growth Strategy Product Manager - Global Payment