Consumer Financing Solutions Product Manager - Global Payment

ByteDance; Singapore; On-site; SGD 120,000 - 165,000; Full time

Job summary

ByteDance in Singapore is seeking an experienced leader to own and optimize Cash Loan operations across SEA. You will drive key metrics, manage a team, and partner with internal and external stakeholders to improve processes and customer experience.

The role requires at least 5 years in cash loan or consumer finance operations, a business or finance degree, and strong analytical and leadership skills. This is an onsite role focused on cost reduction and performance.

Qualifications

• Bachelor's degree in Business, Finance or relevant field.
• Minimum of 5 years in Cash Loan or consumer finance operations.
• Proven track record of driving operational metric improvement and reducing costs.
• Familiarity with Cash Loan business model and operations processes.
• Strong analytical and root cause analysis skills; detail- and results-oriented.
• Excellent communication skills and ability to lead and mentor a team.

Responsibilities

• Own and drive key Cash Loan business metrics in SEA regions such as P&L, user adoption, conversion, approval, losses , OPEX and NPS
• Develop and implement optimization strategy to improve processes, reduce costs and enhance customer experience by collaboration with internal and external partners
• Generate and deliver actionable business insights through monitoring and analyzing business metrics and performance data. Create effective dashboards and reports
• Investigate root causes of metric deviances, customer complaints and operational problems. Lead incident management and develop solutions to prevent recurrences
• Lead and motivate a team of operational staff including those in disbursements, collections,payments, fraud management, customer service and risk management.
• Set KPIs and OKRs for the team based on operational targets. Ensure targets are met through coaching, training and performance management.

Skills

Analytical skills

Leadership & mentoring

Communication skills

Education

Bachelor's degree in Business, Finance or relevant field

Job description

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 usecases.

This role will be based onsite at our office and will require a 5-day onsite work arrangement.

Responsibilities

• Own and drive key Cash Loan business metrics in SEA regions such as P&L, user adoption, conversion, approval, losses , OPEX and NPS
• Develop and implement optimization strategy to improve processes, reduce costs and enhance customer experience by collaboration with internal and external partners
• Generate and deliver actionable business insights through monitoring and analyzing business metrics and performance data. Create effective dashboards and reports
• Investigate root causes of metric deviances, customer complaints and operational problems. Lead incident management and develop solutions to prevent recurrences
• Lead and motivate a team of operational staff including those in disbursements, collections,payments, fraud management, customer service and risk management.
• Set KPIs and OKRs for the team based on operational targets. Ensure targets are met through coaching, training and performance management.

Qualifications

Minimum Qualifications:

• Bachelor's degree in Business, Finance or relevant field.
• Minimum of 5 years of experience in Cash Loan or consumer finance operations.
• Proven track record of driving operational metric improvement and reducing costs.
• Familiarity with Cash Loan business model and operations processes.
• Strong analytical and root cause analysis skills.Detail and result-oriented approach.
• Excellent communication skills and ability to lead and mentor a team.

Preferred Qualifications:

• Focused on continuously enhancing the customer experience through improvements in operations.
• Ability to work cross-functionally and partner with other departments to achieve 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.