About Us Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.

Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you.

Job Description

Visa Consulting & Analytics (VCA), the consulting arm of Visa, is a global team of industry experts in strategy, marketing, operations, risk, money movement and digital consulting, with decades of experience in the payments industry. Our VCA teams offers:

Consulting services customized to the needs of Visa client’s business objectives and strategy

Scalable solutions Visa clients can leverage to improve performance in product, marketing and operations

Proven data-driven marketing strategies to increase clients’ ROI

VCA provides consulting and solution services for Visa’s largest issuers in North America. We apply deep expertise in the payments industry to provide solutions to assist clients with their key business priorities, drive growth and improve profitability.

The Risk Practice within VCA advises Visa clients and ecosystem partners on core risk management areas for card portfolio lifecycle management, including prospecting strategies, underwriting, identity risk, authorizations, disputes, credit line management, collections, and fraud operations.

VCA team is looking for an individual to join the Risk Practice and play a role in developing high impact projects for Visa’s clients. The potential candidate will be responsible for delivering and implementing projects and solutions as the leader of our Credit and Identity Risk Practice.

This person will design, implement, and optimize strategies across the credit lifecycle to enhance risk management, improve decision-making, and drive business growth. This role requires deep expertise in credit risk frameworks, and data analytics, with a strong focus on innovation and operational efficiency.

Potential engagements could include credit policy assessment, underwriting strategy design, line management optimization, and bespoke risk management initiatives.

Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

Basic Qualifications:

10 or more years of work experience with a Bachelor’s Degree or at least 8 years of work experience with an Advanced Degree (e.g. Masters/ MBA/JD/MD) or at least 3 years of work experience with a PhD

Preferred Qualifications:

12 or more years of work experience with a Bachelor’s Degree or 8-10 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 6+ years of work experience with a PhD

8-10 years of relevant experience managing credit risk in financial institutions or large management consulting firm

Proven experience in credit risk management, consulting frameworks, and credit lifecycle optimization

Strong analytical skills with demonstrated intellectual and analytical complexity

Familiarity with regulatory compliance, and risk governance policies

Knowledge and understanding of banking operations and/or payment schemes, including products & services, business systems and processes, marketing initiatives and card acquiring/issuing experience

Ability to lead cross-functional teams and manage complex projects in dynamic environments

Experience working with credit risk indicators to measure business performance. Significant focus on impacting ROI

Self-motivated, results oriented individual with the ability to handle numerous projects concurrently

Excellent communication, storytelling and presentation skills

People-first mindset, team player, experience mentoring junior-level individuals

Collaborative, and flexible, able to work effectively in matrixed organization. technologically savvy, curious, up to date with AI, digital trends, and applications

Travel: This position requires the incumbent to travel approximately 5-10% domestically

Information for US Applicants For roles located in the US, the estimated salary range for this position is $163,500 to $307,600 USD per year, which may include potential sales incentive payments (if applicable). Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity.Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401(k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.

Work Hours

Varies upon the needs of the department.

Travel Requirements

This position requires travel 5-10% of the time.

Mental/Physical Requirements

This position will be performed in an office setting. The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.

Visa is an EEO Employer Qualified applicants will receive consideration for employment without regard to race, color religion, sex, national origin, sexual orientation, gender identity, disability or protect veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with the EEOC guidelines and applicable local law, including the requirements of Article 49 of the San Francisco Police Code.