Product Lead, Lending

**Location**: Singapore **Team**: Product **Employment Type**: Regular **Job Code**: A199607 **Responsibilities**: Team Introduction In line with the globalization strategy and vision of the company, the Global Payments team builds a platform to provide cross-border payment solutions for all ByteDance's products and services, that are growing rapidly worldwide. This is an exciting opportunity to make an impact on global scale across all ByteDance's business usecases. **Key Responsibilities**: - Define and execute the lending product strategy and roadmap, with a focus on BNPL, cash loans, and merchant financing solutions. - Lead the end-to-end build of lending platform products, ensuring scalability, security, and seamless user experience. - Drive integration with payment processors, banks, and funding partners, balancing innovation with strict adherence to regulatory and compliance standards. - Conduct market research, competitor benchmarking, and customer behavior analysis to uncover growth opportunities and shape product innovation. - Own the BNPL transaction lifecycle, from customer onboarding, credit decisioning, repayment flows, to dispute resolution. - Partner with analytics teams to design performance dashboards, KPIs, and risk-monitoring tools to measure adoption, repayment rates, and operational efficiency. - Collaborate with customer support and operations teams to ensure best-in-class issue resolution and service delivery for lending customers. **Qualifications**: **Minimum Qualifications**: - Bachelor’s degree in business, economics, computer science, or related field. - 5+ years of product management experience in fintech, with proven expertise in BNPL, digital lending, payments, or embedded finance. - Demonstrated experience leading end-to-end lending product development, from credit policy design, repayment journeys, to merchant integration. - Strong prior experience in partnership management experience with banks, PSPs, or financial institutions. - Expert in data-driven product decision-making; familiarity with lending KPIs (e.g., approval rates, default rates, NPL, customer LTV). - Prior experience managing global cross-functional teams (legal, compliance, engineering, risk, operations, customer service). - Mandatory experience in People management especially within a Fintech or payments institution. **Preferred Qualifications**: - Self-starter with a strong sense of ownership and accountability for delivering results. - Comfortable working in a fast-paced, dynamic environment with competing priorities and tight deadlines. 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.