LATAM Lending Solution Manager - Global Payment
Sao Paulo Regular Product Job ID: A259219A
Responsibilities
About the Team: The Latin America Financial Services team is focused on delivering convenient, intuitive, and accessible financial solutions to users in Brazil, Mexico, and beyond. From BNPL and personal lending to merchant-focused financial tools, we’re building the infrastructure to power e-commerce growth across the region. Responsibilities: 1. Product Lifecycle Management -Lead the planning and design of credit products such as BNPL, personal credit, and merchant finance, covering both C-side (BNPL, credit loans, revolving loans) and B-side (merchant loans, early collection) scenarios, and formulate product roadmaps. -Latin America Market Special Project: Design localization credit products (such as Brazilian Pix installment payment) for Brazil or Mexico, adapting to local payment habits and user preferences. -Design the core processes of registration - credit - credit utilization - repayment, as well as the interaction logic with partners, to ensure compliance with user experience and business objectives. -Optimize the product architecture to meet local standards by integrating local license rules and regulatory requirements. 2. Requirements Analysis and Cross-Team Promotion -Identify user pain points, combine with competing product analysis to output solutions, and write PRD documents with prototype diagrams. -Coordinate with the technology, risk control, and operations teams to drive the project live and ensure timely delivery of the business. -Connect with LaaS, suppliers, banks, and local fintech companies, design cooperation models, and optimize capital costs. -Collaborate with local teams to complete the development of KYC/AML processes. 3. Data Drive and Risk Control -Track core indicators such as traffic, full-process conversion rate, credit approval rate, and overdue rate, optimize product strategies through A/B testing, and expand business scale. -Develop cooperation plans with e-commerce platforms, holiday marketing plans, and other coordinated operations to enhance conversion. -Collaborate with the risk control team to implement KYC and risk policies, balancing business growth and risk. -Ensure product compliance with regulatory requirements in Latin America (Brazil's LGPD, Mexico's Data Protection Law), and promote the completion of local qualification filings.
Qualifications
Minimum Qualifications -Bachelor's degree or above, majors in fintech, computer science, etc. preferred. -More than 5 years of experience in credit products within internet finance, having led full cycles of consumer loans or merchant finance; cross-functional experience in operations, risk, and strategy preferred. -Business Understanding: Proficient in the entire credit process and risk control logic, capable of designing cooperation mechanisms for the capital side. -Tools and Analysis: Proficient in using Axure/Sketch, and skilled in using SQL/Python to analyze user behavior and business data. Preferred Qualifications -Regional Experience: Over 1 year of experience in credit products in Brazil/Mexico, having led the local implementation of BNPL or e-commerce installment products; -Experience in LaaS cooperation is preferred.
Job Information
About UsFounded 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 AccommodationByteDance 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
