Job Description

*Strong internal candidate identified

As the Senior Director, Product Management for Screening & Decisioning Services, you will lead the strategy, roadmap, and execution of a next-generation screening and decisioning capability that powers merchant, consumer, and partner screening across Visa Acceptance Solutions.

This role is at the forefront of enabling fast, intelligent, and scalable decisions from application intake through approval, decline, referral, and ongoing monitoring. Initially focused on merchant screening and onboarding, the capability will support decisioning for merchant accounts, eCheck, Buy Now Pay Later (BNPL), Instant Payouts, lending, and other risk-based products and services. Over time, it will evolve into a configurable and extensible solution supporting additional entities, including consumers, partners, and future risk and eligibility use cases.

The role requires deep understanding of payments, risk management, onboarding, underwriting, product management, and SaaS-based product strategy. The successful candidate will define how data, rules, workflows, external data providers, and AI-powered intelligence come together to create a scalable decisioning engine that delivers win-win-win outcomes for merchants, partners, and Visa.

This is a unique opportunity to build a strategic capability from the ground up and ultimately evolve it into a standalone Software-as-a-Service (SaaS) offering that delivers screening, risk assessment, and decisioning services to third-party customers and partners. The successful candidate will help shape both the product and commercial strategy, creating a scalable screening and decisioning solution that delivers value to merchants, partners, and Visa while establishing the foundation for future revenue growth and P&L ownership.

The solution will initially support Authorize.net, Acceptance Solutions for SMB, and Cybersource, while establishing the foundation for a future standalone SaaS offering serving third-party customers, platforms, processors, acquirers, and partners. The role is of significant strategic importance to Visa Acceptance Solutions and offers a unique opportunity for a strong leader to shape the future of screening, onboarding, and decisioning across the payments ecosystem.

Responsibilities

• Lead the product strategy, vision, and roadmap for Visa Acceptance Solutions' Screening & Decisioning Services.

• Build and scale a unified screening and decisioning solution that supports merchants from application through decisioning and ongoing monitoring.

• Establish and execute the product roadmap across merchant onboarding, underwriting, merchant account eligibility, eCheck, BNPL, Instant Payouts, lending, and other risk screening domains.

• Lead a team of high-performing Product Managers responsible for the end-to-end product lifecycle, from opportunity identification and requirements definition through commercialization, launch, and optimization.

• Partner with Engineering, Data Science, Risk, Operations, Compliance, Legal, regional teams, and GTM partners to define and execute product strategy and priorities.

• Define core capabilities including application orchestration, workflow management, decisioning engines, rules management, AI/ML-based decisioning, manual review, exception handling, auditability, governance, APIs, and developer experiences.

• Drive the evolution of fragmented screening experiences into a configurable, reusable, and extensible solution that can support multiple products, geographies, customer segments, and risk domains.

• Prioritize investments across a complex portfolio of business opportunities, balancing merchant experience, partner needs, risk outcomes, operational efficiency, and business growth.

• Represent the Screening & Decisioning Services product function and build influential relationships with senior stakeholders across Product, Technology, Risk, Operations, Sales, and external partners.

• Develop and execute the long-term commercialization strategy, transforming Screening & Decisioning Services from an internal capability into a standalone SaaS offering for third-party customers and partners.

• Own the evolution of Screening & Decisioning Services into a standalone commercial business, including service strategy, market positioning, packaging, pricing, business model development, go-to-market alignment, and long-term P&L performance.

• Establish key performance indicators and success metrics, including approval rates, risk outcomes, decision accuracy, automation rates, time-to-decision, operational efficiency, customer experience, adoption, revenue, and commercial impact.

• Drive continuous innovation by identifying opportunities to leverage emerging technologies, AI capabilities, alternative data sources, and new decisioning approaches.

The successful candidate will be a highly strategic and execution-oriented leader with the ability to inspire and develop teams while operating in a matrixed, dynamic, and fast-paced environment. The ideal candidate will have deep experience in payments, merchant onboarding, underwriting, risk, fraud, screening, or decisioning products, along with a proven track record of building scalable products that deliver measurable business results.

This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office three days a week, Tuesdays, Wednesdays and Thursdays.

*Strong internal candidate identified

Qualifications

Basic Qualifications

• 12 or more years of work experience with a Bachelor's Degree or at least 10 years of work experience with an Advanced Degree (e.g., Masters, MBA, JD, MD), or a minimum of 5 years of work experience with a PhD.

Preferred Qualifications

• 15 or more years of experience with a Bachelor's Degree or 12 years of experience with an Advanced Degree (e.g., Masters, MBA, JD, or MD), or PhD with 9+ years of experience.

• 8+ years of Product Management experience, including experience leading teams and large-scale platform, SaaS, or services initiatives.

• 5+ years of people management experience leading Product Managers and building high-performing teams.

• Experience building or managing onboarding, underwriting, risk, fraud, screening, identity, compliance, decisioning, workflow, or SaaS products.

• Demonstrated thought leadership and the ability to define product vision, influence strategy, and drive measurable business outcomes.

• Strong understanding of payments, merchant acquiring, gateways, PSPs, onboarding, underwriting, and risk management ecosystems.

• Experience leading complex cross-functional initiatives involving Product, Engineering, Data Science, Operations, Risk, Compliance, and Go-To-Market teams.

• Proven ability to influence senior executives and align stakeholders across multiple organizations and business units.

• Expert knowledge of the product development lifecycle, including strategy, discovery, prioritization, development, launch, commercialization, and optimization.

• Executive presence, strong communication skills, and the ability to communicate effectively with both technical and non-technical audiences.

• Comfortable operating in ambiguity and making decisions with incomplete information while maintaining a strong customer and business focus.

• Excellent analytical, problem-solving, and strategic thinking skills.

• Experience in merchant onboarding, merchant underwriting, merchant risk, fraud, lending, BNPL, identity verification, compliance, or related decisioning domains.

• Experience building AI/ML-powered decisioning, risk, or automation products.

• Experience launching SaaS products serving enterprise customers through APIs and configurable workflows.

• Experience managing products with commercialization responsibility, revenue ownership, or P&L accountability.

• Experience building reusable capabilities that serve multiple products, business units, or external customers.

• Experience developing product packaging, pricing, commercialization, and go-to-market strategies.

• Experience building or scaling decisioning, underwriting, fraud, identity, trust, risk, or compliance products within payments, fintech, banking, or software platforms.

Information for US Applicants
For roles located in the US, the estimated salary range for this position is $206,100.00 to $ 360,800.00 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.