Merchant Financing Solution Manager - Global Payment - Singapore

BYTEDANCE PTE. LTD.; Singapore; On-site; SGD 80,000 - 100,000; Full time

Job summary

A leading technology company in Singapore is seeking a Merchant Financing Solution Manager to design and scale financing products for merchants on its platform. The ideal candidate will have a relevant degree, experience in fintech or lending, and strong problem-solving skills. This role includes analyzing trends, collaborating with cross-functional teams, and ensuring regulatory compliance. Join a fast-paced, innovative environment that values creativity and inclusivity.

Qualifications

• 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 modeling.
• Experience in cross-functional teams and fast-paced environments.

Responsibilities

• Design and evolve financing products to meet merchants' lifecycle needs.
• Analyze market trends and customer behavior to identify opportunities for innovation.
• Partner with Legal, Compliance, and Finance to ensure regulatory adherence.
• Track and analyze performance of lending products across segments and geographies.

Skills

Problem-solving

Data analysis

Stakeholder communication

Education

Bachelor's degree or higher in Finance, Economics, Business, Engineering, or related field

Job description

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.

• 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.

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.