Senior Lending Manager

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.

-Develop and refine our lending product roadmap and strategy, in collaboration with cross-functional teams such as legal, compliance, engineering, design, marketing, and business.

-Lead regulatory ownership in addition to product work: engage with OJK and other relevant authorities on a frequent basis (~every 2 weeks), prepare and present documents in Bahasa, and ensure compliance with regulations.

-Analyze market trends, customer behavior, and data to identify opportunities for lending product growth, risk mitigation, and optimization.

-Collaborate with payment and financial service partners to integrate lending solutions (white-label or co-branding) onto our platform, ensuring seamless user experience and regulatory adherence.

-Manage the end-to-end process of lending transactions, from customer onboarding to issue resolution, including audit readiness for OJK reviews.

-Stay up-to-date on industry trends, regulations, and best practices in lending, digital finance, and fintech ecosystems.

Qualifications
Minimum Qualification(s)

• Proficient in both English and Bahasa Indonesia.

• Bachelor's degree in business, economics, computer science, or a related field.

• 5+ years of experience in product management, with a focus on lending, consumer finance, payments, or fintech.

• Strong understanding of regulatory processes and compliance, with proven experience in engaging regulators, preparing licensing documentation, and supporting audits.

• Excellent analytical skills and data-driven decision-making ability.

• Strong communication and collaboration skills, with the ability to influence across multiple teams and departments.

• Experience with end-to-end product management: idea generation, roadmap development, feature prioritization, and product launch.

Preferred Qualification(s)

• Able to handle regulator-facing responsibilities independently.

• Self-starter with a strong sense of ownership and accountability for delivering results.

• Prior experience in P2P lending, consumer finance.

• Comfortable working in a fast-paced, dynamic environment with competing priorities and tight deadlines.

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.​