Credit Asset Management, Treasury - Global Payment

2 Months ago • 5 Years + • Finance

Job Summary

Job Description

The Global Payment team at ByteDance seeks a Credit Asset Management professional to manage daily liquidity operations for consumer lending businesses. Responsibilities include building cash flow and portfolio management models, negotiating with external funding partners (ABS and channeling loans, SEA region focus), developing credit asset management systems, optimizing strategies, and leading PM and R&D teams. The ideal candidate possesses in-depth knowledge of consumer lending in SEA markets, including funding costs, and a strong understanding of credit asset liability management. This role requires experience in systematically thinking, learning quickly under pressure, and providing advice on asset insurance.
Must have:
  • Manage daily liquidity operations
  • Build cash flow & portfolio models
  • Negotiate with external funding partners
  • Develop credit asset management systems
  • Optimize credit asset management strategies
  • Lead PM & R&D teams
  • SEA market expertise in consumer lending
Good to have:
  • ABS and channeling loan knowledge
  • Experience with asset insurance

Job Details

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 daily liquidity operations on credit asset liability for consumer lending businesses, with In-depth knowledge on business scenarios and product features; 2. Build up credit asset liability cash flow and portfolio management model, and work out the strategy on asset liability match to ensure the balance between cost of funds and liquidity risks; 3. Support the analysis and negotiation with external partners to ensure sustainable funding sources for business expansion in terms of scale, quota, cost, risk, etc, and provide advice to support asset insurance, if any. 4. Responsbile for credit asset management related system development on key indicators, operational functionalities, and risk alerts. 5. Optimize credit asset mgt strategy and models leveraged by forecasting based on business features, and funding partner's capabilities. 6. Lead PM and R&D teams to develop the system capability to support consumer lending businesses in the long term.
Qualifications
Minimum Qualifications: - Knowledge of funding costs from external parties in various consumer lending business scenarios, such as ABS and channeling loans, specifically in the SEA region. Preferred Qualifications: - Bachelor's or Master's degree in Finance or a related field. - Experience in systematically thinking and learning quickly under pressure. - Minimum of 5 years of experience in consumer lending, with expertise in SEA markets.
Job Information
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.

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About The Company

Founded in 2012, ByteDance's mission is to inspire creativity and enrich life. With a suite of more than a dozen products, including TikTok 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.

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