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Merchant Financing Product Manager - Global Payment - Job Opportunity at ByteDance

Singapore, Singapore
Full-time
Senior
Posted: February 1, 2025
On-site
SGD 180,000 - 250,000 annually based on Singapore fintech market rates for senior product roles

Benefits

Competitive compensation package aligned with fintech industry standards
Growth opportunities within a rapidly expanding global tech company
International exposure working with cross-border teams
Professional development and learning resources
Dynamic startup-like environment with established company stability

Key Responsibilities

Lead strategic development and implementation of merchant financing products for TikTok Shop's global seller ecosystem
Drive data-driven product decisions through market research and user behavior analysis
Own end-to-end product lifecycle including timeline management and performance metrics
Execute cross-functional leadership across solution, product operations, and engineering teams
Ensure regulatory compliance and risk management in financial product delivery

Requirements

Education

Master's degree preferred in Finance/MBA

Experience

5+ years in financial services

Required Skills

Strong analytical and project management skills Financial regulations knowledge Payment systems expertise Cross-functional team leadership Product management experience Cash loan and cash advance product experience E-commerce payment and financing services knowledge
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Sauge AI Market Intelligence

Industry Trends

The e-commerce financing sector is experiencing rapid growth with the rise of embedded financial services within digital marketplaces Buy-Now-Pay-Later and merchant financing solutions are becoming critical competitive differentiators for e-commerce platforms Regulatory scrutiny of digital lending products is increasing globally, particularly in Asian markets

Role Significance

Likely leading a product team of 5-8 direct reports with extended stakeholder network of 20-30 across functions
Senior strategic position with direct impact on TikTok Shop's seller ecosystem and revenue growth

Key Projects

Development of new merchant financing products aligned with regional regulations Integration of risk assessment frameworks for seller financing Implementation of automated underwriting systems Cross-border payment and financing solution optimization

Success Factors

Deep understanding of e-commerce seller economics and financing needs Ability to navigate complex regulatory environments across multiple jurisdictions Strong stakeholder management skills in a matrix organization Data-driven decision making with clear business outcome focus

Market Demand

Very high demand due to the expansion of e-commerce platforms and increasing focus on seller-side financial products

Important Skills

Critical Skills

Financial product development expertise due to complex regulatory requirements and risk management needs Cross-cultural communication skills for global team collaboration Data analysis capabilities for product performance optimization

Beneficial Skills

Experience with blockchain and alternative financing models Knowledge of emerging market financial systems Understanding of social commerce trends and user behavior

Unique Aspects

Opportunity to shape financial products for one of the fastest-growing e-commerce platforms globally
Exposure to both developed and emerging market dynamics in Southeast Asia
Combination of fintech innovation with social commerce platform scale

Career Growth

2-3 years in role before progression, depending on business impact and market expansion success

Potential Next Roles

Director of Financial Products Head of Marketplace Solutions Chief Product Officer Head of Seller Experience

Company Overview

ByteDance

ByteDance is a leading global technology company with a portfolio of successful products including TikTok, driving innovation in social media and e-commerce

Major player in social media and emerging leader in social commerce, competing with established e-commerce platforms
Singapore serves as a strategic hub for Southeast Asian operations and global expansion
Fast-paced, innovation-focused environment with strong emphasis on data-driven decision making and rapid iteration
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