Job Description

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:
- Partner closely with ByteDance’s international business lines to deeply understand business models, user scenarios, and growth priorities, and translate these into scalable card issuing product strategies and solutions that support business expansion and innovation.
- Leverage knowledge of the card issuing ecosystem, including customer needs, market trends, competitor offerings, scheme requirements, regulatory expectations, and regional market dynamics, to shape differentiated card products and strengthen product value proposition.
- Lead the end-to-end design and evolution of card issuing products and capabilities, including areas such as card lifecycle management, authorization controls, transaction processing, spend controls, cardholder experience, settlement flows, and refund/dispute-related journeys, ensuring products are adaptable across multiple international markets and business use cases.
- Own product strategy and execution across the full lifecycle — from concept, design, development, testing, launch, and post-launch optimization — covering both user-facing experience and backend platform capabilities, including risk controls, compliance integration, operational tooling, and data frameworks.
- Be accountable for core business and product metrics, and continuously enhance issuing product capabilities based on performance insights, regulatory developments, and emerging industry trends, in order to improve adoption, transaction performance, customer experience, and business outcomes.
- Drive product optimization through close analysis of user feedback, operational pain points, regulatory requirements, portfolio performance, and market opportunities, strengthening the scalability of the card issuing platform.
- Work cross-functionally with stakeholders across business, operations, risk, compliance, finance, partnerships, engineering, and regional teams to align priorities, manage dependencies, and deliver card issuing capabilities efficiently across multiple markets.
- Continuously improve product governance, prioritization, and execution processes to enhance delivery quality, speed, and scalability in support of a growing global card business.