Senior Credit Manager

Responsibilities
Team Introduction
We support multiple business lines such as Non-China Ad (GBS&TTMP), non-China PICO, Lark monetization, non-China IP licensing and rental income, continuously optimize ways of working to build an automated accounting system in complex and ever changing business scenarios, as well as support global revenue, collection and clients' credit risk management in an all-round way.
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.
Responsibilities:
- 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.
- Limit Management: Establish, monitor, and adjust credit limits for client ad spend to optimize revenue while minimizing bad debt exposure.
- 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 Development: Develop and enforce credit and collection policies tailored to the fast-paced digital advertising lifecycle and changing economic landscape for North America.
- 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.
Qualifications
Minimum Qualifications:
- Education: Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
- Experience: 5+ years of experience in credit management and collections, with at least 2 years specifically in digital advertising, ad tech, or media.
- 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.
About TikTok
TikTok is the leading destination for short-form mobile video. At TikTok, our mission is to inspire creativity and bring joy. TikTok's global headquarters are in Los Angeles and Singapore, and we also have offices in New York City, London, Dublin, Paris, Berlin, Dubai, Jakarta, Seoul, and Tokyo.​
Why Join Us
Inspiring creativity is at the core of TikTok's mission. Our innovative product is 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 bring joy - a mission we work towards every day.​
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. Every challenge is an opportunity to learn and innovate as one team. We're resilient and embrace challenges as they come. 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​
TikTok 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 TikTok, our mission is to inspire creativity and bring joy. 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.​
TikTok Accommodation
TikTok is committed to providing reasonable accommodations in our recruitment processes for candidates with disabilities, pregnancy, sincerely held religious beliefs or other reasons protected by applicable laws. If you need assistance or a reasonable accommodation, please reach out to us at https://tinyurl.com/RA-request​
Job Information
【For Pay Transparency】Compensation Description (Annually)
The base salary range for this position in the selected city is $108000 - $168000 annually.​
Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Base pay is one part of the Total Package that is provided to compensate and recognize employees for their work, and this role may be eligible for additional discretionary bonuses/incentives, and restricted stock units.​
Benefits may vary depending on the nature of employment and the country work location. Employees have day one access to medical, dental, and vision insurance, a 401(k) savings plan with company match, paid parental leave, short-term and long-term disability coverage, life insurance, wellbeing benefits, among others. Employees also receive 10 paid holidays per year, 10 paid sick days per year and 17 days of Paid Personal Time (prorated upon hire with increasing accruals by tenure).​
The Company reserves the right to modify or change these benefits programs at any time, with or without notice.​
For Los Angeles County (unincorporated) Candidates:​
Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws including the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Our company believes that criminal history may have a direct, adverse and negative relationship on the following job duties, potentially resulting in the withdrawal of the conditional offer of employment:​
1. Interacting and occasionally having unsupervised contact with internal/external clients and/or colleagues;​
2. Appropriately handling and managing confidential information including proprietary and trade secret information and access to information technology systems; and​
3. Exercising sound judgment.​