Consumer Financing Product Lead - Global Payment

About the role

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.

Responsibilities

• Own the overall strategy and roadmap for our Cashloan or BNPL (Buy Now, Pay Later) products, defining the mid-to-long-term product direction and growth targets, and driving execution across cross-functional teams such as legal, compliance, engineering, design, marketing, and business.
• Break down market trends, customer behavior, and operational data from a commercial perspective to identify opportunities for scalable growth and monetization, translating them into clear product decisions and priorities.
• Develop a deep understanding of how credit risk management works, and collaborate effectively with risk, treasury/funding, and business teams to make sound trade-offs across risk, cost, growth, and user experience, ensuring the long-term sustainability of the product.
• Lead the solution design and integration with payment and funding partners, ensuring a seamless user experience, robust transaction flows, and adherence to regulatory standards across markets.
• Take end-to-end ownership of the full lifecycle of our Cashloan or BNPL products, from product definition and launch through to operational optimization, owning the core business outcomes.
• Partner with the analytics team to build the operational analytics framework, KPIs, and core dashboards that drive continuous iteration and optimization of the product and business.
• Stay ahead of industry trends, regulations, and best practices, proactively feeding insights into the product strategy.

Requirements

• Minimum Qualification(s)：
• Bachelor's degree or above.
• 5+ years of experience in product management, with a background in payments, BNPL, cash loan, or internet/consumer finance.
• Proven track record as a successful Product Owner / Product Lead, having driven a product from 0 to 1 or through significant scale.
• Strong commercial acumen, with a solid understanding of lending operations and risk management, and the ability to collaborate effectively with business, risk, and treasury/funding teams.
• Strong analytical skills and experience with data-driven decision-making.
• Excellent communication, collaboration, and cross-functional influencing skills, with the ability to align stakeholders and drive execution in a complex organization.
• Self-starter with a strong sense of ownership and accountability for delivering business results.
• Preferred Qualification(s)：
• Degree in Mathematics, Computer Science, or a related field.
• Experience leading products with more than 10 million users
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