💼 Business Development Manager (Dual Focus: Financial Product Strategy / Payment Scenario Operations)
As a core business expansion role in the Japanese market, you will drive scalable growth through precise market strategies, partner management, and efficient execution, focusing on **financial product strategy** and **payment scenario operations**. You must deeply understand Japanese market characteristics, balance compliance requirements with business goals, and possess cross-cultural collaboration skills and data-driven thinking to provide core support for the localization of the group’s services in either **consumer finance & credit (strategic direction)** or **cross-border mobile payments (operational direction)**. Working languages: Japanese and English; Mandarin proficiency is a plus.
一、Financial Product Strategy BD (Consumer Finance & Credit Tech Direction)
#### Core Responsibilities
1. **Strategic Planning & Business Model Design** 📊
- Lead market research on Japanese consumer finance, analyzing industry policies, competitor dynamics, and user needs to develop scalable credit product business models (e.g., personal consumer loans, corporate financing services). Deliver feasibility reports and ROI calculations.
- Design end-to-end credit solutions covering marketing acquisition, risk assessment model development, pricing strategies, capital-side partnerships (e.g., banks/financial institutions), and compliance framework building. Drive cross-departmental integration (risk control, product, technology) for implementation.
2. **Key Partner Management** 🤝
- Build and maintain strategic alliances with banks, fintech companies, regulators, and government bodies. Lead C-level negotiations to secure policy support and premium resources (e.g., funding channels, data compliance authorizations).
- Develop localized compliance plans aligned with Japanese regulations (e.g., **Lending Business Act**, **Personal Information Protection Law**) to ensure products meet data security, privacy, and financial regulatory standards.
3. **Cross-Functional Collaboration & Innovation** 🌐
- Lead cross-departmental teams (risk, legal, finance) to advance new product launches, resolving complex issues (compliance, technical integration) and ensuring on-time delivery.
- Optimize product strategies using data insights (user profiles, risk data, market feedback) to validate business assumptions and improve resource allocation efficiency and long-term profitability.
### 二、Payment Scenario Operations BD (Cross-Border Mobile Payments Direction)
#### Core Responsibilities
1. **Acquirer & Merchant Ecosystem Operations** 💳
- Manage local Japanese acquirers, develop annual partnership plans, and drive their integration into cross-border mobile payment systems. Optimize transaction processes and pricing strategies to enhance acquirer efficiency and merchant satisfaction.
- Lead 2B/2C merchant expansion across scenarios (cross-border consumption, travel, retail). Design tiered merchant operation strategies (e.g., customized partnerships for key merchants, bulk onboarding for SMEs) and incentive programs (marketing subsidies, traffic support) to boost merchant numbers and transaction volume.
2. **End-to-End Marketing & Project Management** 🚀
- Collaborate with local marketing teams to策划cross-border merchant campaigns (e.g., travel season promotions, cross-border consumption subsidies). Manage full-cycle execution from merchant negotiation and contract signing to technical integration and campaign launch, ensuring marketing goals are met.
- Monitor merchant transaction metrics (conversion rate, repeat purchase rate, AOV) and conduct regular performance reviews to optimize operations (e.g., streamline onboarding processes, upgrade payment tool features).
3. **Cross-Team Collaboration & Localization** 🌏
- Liaise with Japanese back-office teams (technology, customer service, finance) to resolve merchant onboarding issues (system adaptation, reconciliation) and drive localized product iterations (e.g., JPY settlement, local payment habit optimization).
- Track cross-border payment regulations (e.g., Japanese **Funds Settlement Act**), ensure merchant compliance, and coordinate with internal legal teams for risk management and compliance咨询.
### Universal Competency Requirements (Both Directions)
1. **Global Mindset** 🌍: Understand Sino-Japanese cultural/business differences; excel in cross-cultural communication. Fluent in Japanese and English for business negotiations, report writing, and cross-departmental collaboration; Mandarin proficiency is a plus.
2. **Results-Driven** 🎯: Focus on business growth; thrive under pressure to drive complex partnerships to completion.
3. **Strategic Thinking** 🧠: Balance macro market insights with detailed execution; align long-term planning with short-term goals.
业务开发经理（金融产品战略/支付场景运营双方向）
作为集团在日本市场的核心业务拓展角色，需基于金融产品战略和支付场景运营两大方向，通过精准的市场策略、合作伙伴管理及高效执行，推动业务规模化增长。需深度理解日本市场特性，平衡合规要求与商业目标，同时具备跨文化协作能力与数据驱动思维，为集团在消费金融信贷领域（战略型）或跨境移动支付领域（运营型）的本地化落地提供核心支持。工作语言为日语和英语，中文能力优秀者优先。
## 一、金融产品战略型BD（消费金融与信贷科技方向）
### 核心职责
1. **战略规划与商业模式设计**
- 主导日本消费金融市场调研，分析行业政策、竞品动态及用户需求，制定可规模化的信贷产品商业模式，如面向个人的消费贷、针对企业的融资服务等，输出可行性报告与ROI测算。
- 设计端到端信贷解决方案，涵盖营销获客、风险评估模型搭建、产品定价策略、资金端与银行等金融机构的对接，以及合规框架构建，推动风控、产品、技术等多部门系统整合落地。
2. **核心合作伙伴管理**
- 搭建并维护与银行、金融科技公司、监管机构、政府部门的战略联盟，主导C-level高层谈判，争取政策支持与优质资源，如资金渠道拓展、数据合规授权。
- 针对消费金融行业监管要求，如日本《贷金业法》《个人信息保护法》，设计本地化合规方案，确保产品符合日本数据安全、隐私保护及金融监管标准。
3. **跨职能协作与创新驱动**
- 领导跨部门团队（风控、法务、财务）推进新产品落地，协调资源解决合规、技术对接等复杂问题，确保项目按时交付。
- 基于用户画像、风险数据、市场反馈等数据洞察，持续优化产品策略，验证业务假设，提升资源配置效率与长期盈利能力。
二、支付场景运营型BD（跨境移动支付方向）
核心职责
1. **收单机构与商户生态运营**
- 管理日本本地收单机构，制定年度合作计划，推动收单机构接入跨境移动支付系统，优化交易流程与费率策略，提升收单效率与商户满意度。
- 主导2B/2C商户拓展，针对跨境消费、旅游、零售等场景，制定商户分层运营策略，如头部商户定制化合作、中小商户批量接入，设计营销补贴、流量扶持等商户激励方案，实现商户数量与交易规模双增长。
2. **端到端营销与项目管理**
- 协同本地营销团队策划跨境商户推广活动，如旅游季促销、跨境消费补贴等，从商户洽谈、合同谈判到技术对接、活动上线全流程管理，确保营销目标达成。
- 监控商户交易数据，包括转化率、复购率、客单价等指标，定期复盘活动效果，优化运营策略，如调整商户入驻流程、升级支付工具功能。
3. **跨团队协作与本地化落地**
- 对接日本中后台团队（技术、客服、财务）解决商户入驻问题，如系统适配、对账结算等，推动支付产品本地化迭代，支持日元结算、本地支付习惯优化。
- 跟踪跨境支付行业政策，如日本《资金决済法》，确保商户合规运营，协调内部法务团队处理合规咨询与风险事件。
通用能力要求（双方向均需具备）
1. **国际化视野**：理解中日商业文化差异，具备跨文化沟通能力，日语和英语为工作语言，熟练使用双语进行商务谈判、报告撰写及跨部门协作；中文能力优秀者优先。
2. **结果导向**：以业务增长为核心目标，抗压能力强，能高效推动复杂合作落地。
3. **战略思维**：兼具宏观市场洞察与细节执行能力，能平衡长期规划与短期目标。