Card Growth & Loyalty Product Manager - Global Payment

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. We are seeking a results-driven marketing manager to own end-to-end growth, promotions, and loyalty strategy for our consumer digital card business. You will lead the design and execution of innovative online rewards, cashback, and incentive programs to drive card adoption, usage, and retention, drawing on best practices from leading banks and fintech players. You will own core KPIs including monthly active cards (MAC), total payment volume (TPV), and customer lifetime value. Responsibilities Strategy & Program Design - Develop and execute end-to-end card growth, promotion, and loyalty strategy focused on online-first rewards, in alignment with our digital-first value proposition - Own design of cashback structures, reward tiers, campaign mechanics, and incentive policies, reward validity periods, and redemption rules to maximize user engagement while optimizing ROI - Benchmark against industry best practices from global banks and leading fintechs to create differentiated rewards experiences that drive competitive advantage Growth Execution - Launch and iterate on targeted acquisition, activation, and retention campaigns across e-commerce and other high-intent consumer touchpoints - Design segmented campaigns for new users, dormant users, and high-value users to drive continuous growth in MAC and TPV - Collaborate with product, operations, and payment network partners (such as Stripe, Visa, bank partners) to implement reward program infrastructure and ensure seamless user experience Measurement & Optimization - Define, track, and report on core business KPIs: monthly active cards (MAC), total payment volume (TPV), activation rate, retention rate, reward redemption rate, and program ROI - Build data-driven experimentation frameworks to A/B test program features, campaign creatives, and incentive structures, iterating rapidly to maximize performance - Conduct regular cohort analysis to identify high-value user segments and optimize reward allocation to maximize returns on marketing spend Partnership & Stakeholder Management - Collaborate with commercial teams to align card benefits with merchant partner offerings, creating exclusive rewards that drive usage - Work with risk, finance, and compliance teams to ensure all programs adhere to regulatory requirements and financial sustainability targets - Manage relationships with payment networks and bank partners to leverage joint promotion opportunities

Minimum Qualifications - 5+ years of experience in card marketing, loyalty program management, or payments growth roles at a bank, fintech, or consumer internet company with a focus on card growth and launches - Proven track record of designing and launching customer-facing rewards or cashback programs that drove measurable growth in card usage, active users, or TPV - Strong data analysis skills, with experience using data to inform strategy, measure program performance, and optimize ROI Preferred Qualifications - Previous experience at a digital bank or regional banks or leading fintech - Deep understanding of online-first reward mechanics, e-commerce promotions, and digital payment user behavior - Experience managing end-to-end P&L for card programs or loyalty products - Hands-on experience working with payment networks (Visa, Mastercard, Stripe) and card issuing partners - Experience building and optimizing loyalty programs for consumer-facing digital products at scale - Strong cross-functional stakeholder management experience, with ability to align product, engineering, compliance, and commercial teams toward shared growth goals