Responsibilities

Team Introduction: The Credit and Collections team at ByteDance LATAM, based in Brazil, is responsible for managing the region’s credit risk exposure, ensuring timely cash collections, and maintaining a healthy accounts receivable portfolio. The team supports business growth by assessing customer creditworthiness, setting appropriate credit limits, and implementing collection strategies aligned with company policies and local market conditions. We work closely with cross-functional teams to identify and mitigate financial risks, improve cash flow, and strengthen internal controls related to billing, payments, and receivables management. Through proactive analysis and collaboration, we help sustain a strong control environment and ensure operational excellence across the region. Hybrid Work Model: We are back to the office with a hybrid work model, with employees working in the office three days per week. Position Summary: We are looking for an experienced Credit Specialist to join ByteDance’s Finance organization in Brazil, supporting our operations across Latin America. This role will be responsible for assessing, monitoring, and managing the credit risk of a diverse portfolio of advertisers and agencies across multiple markets. The ideal candidate will bring strong analytical skills, sound judgment, and the ability to work cross-functionally in a fast-paced environment. This person should be comfortable handling a high volume of accounts, working with credit bureaus and data providers, and partnering closely with Sales, Legal, Tax, and Finance teams across the region. Please submit resumes in English only. Responsibilities: - Lead the credit risk assessment process for new and existing clients across Latin America, ensuring appropriate exposure levels and alignment with company policy. - Conduct financial statement analysis, review payment behavior, and utilize credit bureau data, trade references, and third-party data sources to support credit decisions. - Define, implement, and maintain credit limits and terms for advertisers and agencies, balancing business growth with financial risk control. - Manage the credit approval workflow, partnering with Sales, AR, and Legal to ensure timely onboarding and risk mitigation. - Monitor portfolio health and delinquency trends, identifying early warning signals and proposing mitigation plans. - Collaborate with Collections and Billing teams to ensure proper communication and escalation on at-risk accounts. - Maintain relationships with local and international credit bureaus and continuously explore new data sources to enhance credit evaluation models. - Support automation initiatives and process improvements related to credit evaluation, reporting, and risk scoring. - Prepare and present regular credit risk reports and dashboards to management. - Support regional and global projects related to credit policy alignment, system integration, and process optimization.

Qualifications

Minimum Qualifications: - Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field. - Minimum 5 years of experience in credit management, risk analysis, or financial operations, preferably within a multinational or digital media company. - Strong knowledge of credit assessment tools, financial statements, and local credit bureaus (e.g., Serasa, Equifax, Dun & Bradstreet). - Experience handling high-volume account portfolios and making data-driven decisions. Excellent analytical, communication, and stakeholder management skills. - Proficiency in Excel and financial systems (SAP, Oracle, or similar); experience with credit risk platforms is a plus. - High written proficiency in English and Portuguese is required for documentation and system use. Intermediate written proficiency in Spanish is required to communicate with customers based in Spanish-speaking markets. - Strong sense of ownership, attention to detail, and ability to thrive in a fast-paced, multicultural environment.

Job Information