Job DescriptionVisa 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.
Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.
QualificationsBasic 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 ApplicantsFor 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 HoursVaries upon the needs of the department.
Travel RequirementsThis position requires travel 5-10% of the time.
Mental/Physical RequirementsThis 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.
