Merchant Financing Solution Manager - Global Payment - Singapore

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. We are looking for a highly professional, self-driven, and data-driven Merchant Financing Solution Manager to design, launch, and scale 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, Term Loan, and Invoice Financing. Your goal is to enhance merchant liquidity, drive user adoption, and ensure sustainable portfolio performance.

Responsibilities:

• Design and evolve financing products that meet merchants’ lifecycle needs, collaborating with Product, Engineering, and Design to implement lending solutions within platform ecosystems.
• Analyze local and global market trends, customer behavior, and data to identify and prioritize opportunities for innovation, work with GTM, and local AM teams to shape acquisition, activation, and retention strategies.
• Partner with Legal, Compliance, and Finance to ensure regulatory adherence and accurate financial modeling.
• Track and analyze performance of lending products across different segments and geographies. Drive initiatives to improve funnel conversion, increase utilization, and enhance repayment behavior.

Qualifications

Minimum Qualifications:

• Bachelor's degree or higher in Finance, Economics, Business, Engineering, or related field.
• Relevant experience in fintech, lending, e-commerce, banking, or credit risk—especially in SME or merchant financing.
• Solid understanding of credit product mechanics, risk management, and financial modelling.
• Strong problem-solving, data analysis, and stakeholder communication skills.
• Experience working in cross-functional teams and fast-paced, agile environments.

Preferred Qualifications:

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