LATAM - Credit Manager

职位描述

Team Introduction:

The Credit Risk function, based in Brazil, manages ByteDance’s credit exposure across Latin America by assessing customer creditworthiness, defining credit limits and payment terms, monitoring portfolio performance, and identifying early signs of delinquency or potential loss. Working closely with Sales, Finance, Legal, Billing, Collections, and Operations, the team balances commercial growth with disciplined risk management, helping protect working capital, reduce bad-debt exposure, improve cash conversion, and maintain strong controls throughout the regional order-to-cash process.

Role Summary:

As the Credit Manager, you will oversee the credit granting process for our advertising clients, including direct brands and agency holding companies. You will balance the need to drive ad revenue growth with the necessity of mitigating financial risk. The ideal candidate will have a strong understanding of digital media billing structures (agencies, programmatic, direct) and the ability to partner closely with our Sales and Ad Operations teams.

Key Responsibilities:

- Demonstrate big picture thinking and capabilities to scale credit control work and achieve credit management target and goals.

- Credit Assessment: Evaluate the creditworthiness of new and existing advertisers and media agencies by analyzing financial statements, credit reports (e.g., D&B), and payment history.

- Risk Monitoring: Establish, monitor, and adjust credit limits for client ad spend to optimize revenue while minimizing bad debt exposure. Respond quickly to any emergency and special cases.

- Cross-Functional Collaboration: Partner directly with Sales, Account Management, and teammates within Finance to create a holistic view of the credit and payment risk of a customer and to develop the best deal possible to allow revenue growth responsibly.

- Policy Optimization: Develop and enforce local credit policies tailored to the fast-paced digital advertising lifecycle and changing economic landscape for LATAM region.

- Reporting: Prepare monthly reporting on A/R aging, bad debt reserves, and credit exposure for executive leadership.

- Risk Mitigation: Create and maintain a cost effective credit insurance program to cover potential loss.

任职要求

Minimum Qualifications:

- Education: Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.

- Minimum 5 years of experience in corporate credit risk management and familiarity with the digital advertising industry.

- Industry Knowledge: Deep understanding of the advertising ecosystem, including how agency holding companies operate, sequential liability, and programmatic billing.

- Soft Skills: Strong negotiation and communication skills, with the ability to maintain positive client relationships while strictly enforcing financial terms.

- Good analytical and interpersonal skills.

- High level of integrity and discretion to handle confidential information.