ByteDance
Merchant Financing Solution Manager - Global Payment
ByteDance, San Jose, California, United States, 95199
Overview
Merchant Financing Solution Manager - Global Payment 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
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 ByteDance
Founded in 2012, ByteDance's mission is to inspire creativity and enrich life. With a suite of more than a dozen products, 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 teams are global and diverse, built to help people authentically express themselves, discover, and connect. We foster an "Always Day 1" mindset to achieve meaningful breakthroughs for our company and users. Join us. Reasonable Accommodation
ByteDance is committed to providing reasonable accommodations in our recruitment processes for candidates with disabilities, pregnancy, sincerely held religious beliefs, or other reasons protected by applicable laws. If you need assistance or a reasonable accommodation, please reach out to us at https://tinyurl.com/RA-request Job Information
Compensation: Base salary range for this position in the selected city is $165,120 - $414,000 annually. Compensation may vary based on qualifications, skills, competencies, experience, and location. Base pay may be eligible for bonuses, incentives, and restricted stock units. Benefits vary by location and include medical, dental, vision, 401(k) with company match, parental leave, disability coverage, life insurance, wellbeing benefits, paid holidays, paid sick days, and paid personal time. The company reserves the right to modify benefits at any time.
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Merchant Financing Solution Manager - Global Payment 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
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 ByteDance
Founded in 2012, ByteDance's mission is to inspire creativity and enrich life. With a suite of more than a dozen products, 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 teams are global and diverse, built to help people authentically express themselves, discover, and connect. We foster an "Always Day 1" mindset to achieve meaningful breakthroughs for our company and users. Join us. Reasonable Accommodation
ByteDance is committed to providing reasonable accommodations in our recruitment processes for candidates with disabilities, pregnancy, sincerely held religious beliefs, or other reasons protected by applicable laws. If you need assistance or a reasonable accommodation, please reach out to us at https://tinyurl.com/RA-request Job Information
Compensation: Base salary range for this position in the selected city is $165,120 - $414,000 annually. Compensation may vary based on qualifications, skills, competencies, experience, and location. Base pay may be eligible for bonuses, incentives, and restricted stock units. Benefits vary by location and include medical, dental, vision, 401(k) with company match, parental leave, disability coverage, life insurance, wellbeing benefits, paid holidays, paid sick days, and paid personal time. The company reserves the right to modify benefits at any time.
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