Merchant Financing Solution Manager - Global Payment - Singapore

Bytedance; Singapore; On-site; SGD 140,000 - 210,000; Full time

Job summary

ByteDance is seeking a Merchant Financing Business Manager to design, launch, and grow financing products for merchants across our platform. You will work at the intersection of product, risk, data, operations, and business teams to deliver tailored credit solutions.

The role requires a 5-day onsite arrangement and collaboration with cross-functional teams to optimize product features, risk policies, and regulatory alignment for SEA markets.

Qualifications

• Bachelor's degree in finance, economics, business, engineering, or related field.
• 5+ years in lending, e-commerce, banking, or credit risk—SME/merchant financing.
• Strong data analysis and stakeholder communication skills.
• Experience in cross-functional and agile environments.

Responsibilities

• Set up roadmaps and targets for Merchant Financing across SEA markets.
• Drive rollout, manage operations, and partner with e-commerce and seller teams.
• Build data framework to track funnel, market penetration, and campaigns.
• Collaborate with Product, Tech, Risk, and Compliance to optimize features and policies.
• Improve merchant experience and scalability through education and campaigns.

Skills

Data analysis

Stakeholder communication

Cross-functional collaboration

Problem solving

Agile environment

Education

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

Job description

Responsibilities

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 use cases.

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.

Responsibilities:

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

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

Qualifications

Minimum Qualification(s):

• - Bachelor's degree or higher in Finance, Economics, Business, Engineering, or related field.
• - 5+ years of 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.

Preferred Qualification(s):

• - 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.