Credit Asset Management Lead - Global Payment

ByteDance

ByteDance

Singapore
Posted on Dec 10, 2025

Responsibilities

About The Team The Global Payment team of ByteDance provides payment solutions - including payment acquisitions, disbursements, transaction monitoring, payment method management, foreign exchange conversion, accounting, reconciliations, and so on to ensure that our users have a smooth and secure payment experience on ByteDance platforms including TikTok. Responsibilities: 1. Lead and execute on-balance sheet funding solutions in various ways to support fintech lending business growth in SEA and LATAM; 2. Build up credit asset liability cash flow and portfolio management model, and work out the strategy on asset liability match to ensure the balance between cost of funds and liquidity risks; 3. Support the analysis and negotiation with external partners to ensure sustainable funding sources for business expansion, and explore asset-back securitization opportunities; 4. Responsible for credit asset management related system development on key indicators, operational functionalities, and risk alerts. 5. Optimize credit asset management strategy and models leveraged by forecasting based on business features, and funding partner's capabilities. 6. Supervise daily liquidity operations on credit asset liability for Fintech lending businesses, with In-depth knowledge on business scenarios and product features;

Qualifications

Minimum qualifications: 1. 5+ years of experience in Fintech lending companies, with strong exposure to SEA or LATAM markets; 2. Know funding cost from external parties well in various consumer lending business scenarios, esp. ABS, channeling loans, etc in SEA, LATAM. 3. Bachelor's degree in Finance or equivalent Preferred qualifications: 1. Fast learner and able to think systematically under pressure

Job Information

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.