Merchant Financing Business Manager (SEA) - Global Payment - Singapore

The Global Payment team at ByteDance seeks a Merchant Financing Business Manager for Southeast Asia. This role involves designing, launching, and expanding financing products like Cash Advance and SME Loans to support merchant growth on the platform. The manager will set business roadmaps, drive market rollout in Thailand/Vietnam, collaborate with cross-functional teams (product, risk, data, operations), build data frameworks for performance tracking, and enhance merchant experience to boost liquidity and adoption.

Must Have

• Design, launch, and grow financing products (e.g., Cash Advance, SME Loans)
• Set up business roadmap and targets for SEA markets (Thailand/Vietnam)
• Drive business rollout and manage local operations
• Build and maintain data frameworks for performance tracking
• Collaborate with Product, Tech, Risk, and Compliance teams for product optimization
• Continuously refine merchant journey and enhance user experience
• Bachelor's degree or higher in Finance, Economics, Business, Engineering, or related field
• 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
• Fluency in Vietnamese or Thai

Good to Have

• 3+ years relevant experience in merchant financing
• Knowledge of SEA e-commerce landscapes

Responsibilities

Team Introduction 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. In line with the globalization strategy and vision of the company, the Global Payment 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 usecases.

Job Summary 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.

Key Responsibilities:

• Set up business roadmap and targets – Responsible for Merchant Financing local strategy, GTM plan, and rollout roadmap across SEA markets (Thailand/Vietnam); establish business goals for penetration, disbursement, and user acquisition, etc.
• Drive business rollout and cross-team collaboration – Execute launch plans, manage local 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, localized operations, and platform campaign.

Qualifications

Minimum Qualifications:

• Bachelor's degree or higher in Finance, Economics, Business, Engineering, or related field.
• Experienced 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.
• Fluency in Vietnamese or Thai is required as there is frequent internal and external communication within the Vietnam or Thailand market.

Preferred Qualifications:

• 3 years and above relevant experience in merchant financing space.
• Knowledge of SEA ecommerce landscapes.