Responsibilities
Team Introduction 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. This is an exciting opportunity to make an impact on global scale across all ByteDance's business use cases. We are looking for a highly professional, self-driven, and data-driven Merchant Financing Business Manager to design, launch, and grow financing products that support the growth of merchants across our platform. You will work at the intersection of product, risk, data, operations, and business teams to deliver tailored credit solutions, such as Cash Advance, SME Loans, etc. Your goal is to enhance merchant's business liquidity, drive user adoption, and ensure sustainable portfolio performance. Responsibilities: - Set up business roadmap and targets - Responsible for Merchant Financing strategy, GTM plan, and rollout roadmap across SEA markets establish business goals for penetration, disbursement, and user acquisition, etc. - Drive business rollout and cross-team collaboration - Execute launch plans, manage operations, and build strong partnerships with e-commerce, seller, and operations teams to ensure target achievement. - Build and maintain data framework - Develop analytical models to track funnel performance, market penetration, user acquisition, and campaign effectiveness ((interest-free campaigns, white-list expansion, loyalty tiers, etc.) and provide dynamic market strategy to ensure the business target achievement. - Work with cross-functional teams for product enhancement - Collaborate with Product, Tech, Risk, and Compliance teams to optimize product features, credit policies, and regulatory alignment for each market. - Improve merchant experience and scalability - Continuously refine the merchant journey, enhance user experience, and drive user adoption through education, operations, and platform campaign.
Qualifications
Minimum Qualification(s): - Bachelor's degree or higher in Finance, Economics, Business, Engineering, or related field. - 3+ years of experience in lending, e-commerce, banking, or credit risk-especially in SME or merchant financing. - Solid understanding of credit product mechanics, risk management, and financial modeling. - Strong problem-solving, data analysis, and stakeholder communication skills. - Experience working in cross-functional teams and fast-paced, agile environments. Preferred Qualification(s): - 3 years and above relevant experience in merchant financing space. - Knowledge of SEA or LATAM regulatory landscapes.
