Merchant Financing Solution Manager - Global Payment - Singapore Product - Product manager Sing[...]

ByteDance; Singapore; On-site; SGD 80,000 - 130,000; Full time

Job summary

ByteDance is seeking a Product Manager in Singapore to set up the business roadmap for Merchant Financing strategy and drive operations in SEA markets. The ideal candidate has at least 5 years of experience in lending or e-commerce, with strong problem-solving and data analysis skills. The role involves collaboration with cross-functional teams to enhance product features and improve merchant experiences. If you are motivated and experienced in a fast-paced environment, we would like to hear from you.

Qualifications

• 5+ years of experience in lending, e-commerce, banking, or credit risk.
• Solid understanding of credit product mechanics and risk management.
• Experience in agile environments.

Responsibilities

• Set up business roadmap and targets for Merchant Financing strategy.
• Drive business rollout and manage operations across SEA markets.
• Build data framework for tracking performance and market strategy.

Skills

Data analysis

Problem-solving

Stakeholder communication

Education

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

Job description

Product Manager

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.

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.