Merchant Financing Solution Manager - Global Payment

Merchant Financing Solution Manager - Global Payment

Location: San Jose

Team: Corporate Functions

Employment Type: Regular

Job Code: A20531B

Responsibilities

The Global Payment team of ByteDance provides payment solutions to ensure that our users have a smooth and secure payment experience on ByteDance platforms. 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

Minimum Qualification(s): Bachelor's degree or higher in Finance, Economics, Business, Engineering, or related field. Relevant experience in fintech, lending, e-commerce, banking, or credit risk. 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): Relevant experience in SME or merchant financing space. Knowledge of LATAM regulatory landscapes.

Job Information

For Pay TransparencyCompensation Description (Annually) The base salary range for this position in the selected city is $165120 - $414000 annually. Compensation may vary outside of this range depending on a number of factors, including a candidate's qualifications, skills, competencies and experience, and location. Base pay is one part of the Total Package that is provided to compensate and recognize employees for their work, and this role may be eligible for additional discretionary bonuses/incentives, and restricted stock units. Benefits may vary depending on the nature of employment and the country work location. Employees have day one access to medical, dental, and vision insurance, a 401(k) savings plan with company match, paid parental leave, short-term and long-term disability coverage, life insurance, wellbeing benefits, among others. Employees also receive 10 paid holidays per year, 10 paid sick days per year and 17 days of Paid Personal Time (prorated upon hire with increasing accruals by tenure). The Company reserves the right to modify or change these benefits programs at any time, with or without notice.

For Los Angeles County (unincorporated) Candidates: Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws including the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Our company believes that criminal history may have a direct, adverse and negative relationship on the following job duties, potentially resulting in the withdrawal of the conditional offer of employment: 1. Interacting and occasionally having unsupervised contact with internal/external clients and/or colleagues; 2. Appropriately handling and managing confidential information including proprietary and trade secret information and access to information technology systems; and 3. Exercising sound judgment.

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.

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