Visa Consulting and Analytics (VCA) is the consulting arm of Visa, and drives tangible, impactful results for clients. Drawing on our expertise in consulting, data analytics, technology, payments and economics, VCA solves the most strategic problems for our clients. VCA's core client segments include issuers, acquirers, merchants, fintechs, payment enablers and governments.

The Intelligence & Data Solutions (IDS) team at VCA consists of data scientists, analysts, and engineers who provide analytics solutions. Their goal is to leverage VisaNet, one of the largest datasets globally, to help clients enhance their performance and increase profitability.

What a Data Scientist, VCA does at Visa: We are looking for a Data Scientist to join our VCA team in Malaysia. This role requires transforming raw data into actionable insights that drive business strategies, improve execution and performance of the full cardholder lifecycle.

The ideal candidate will work closely with Visa’s clients to gather and manage project inputs, analyze data to form conclusions and recommendations, execute and analyze results to improve outcomes.

Specific Responsibilities include

• Lead, execute, and deliver data science projects for Visa's key clients.
• Develop project scopes, methodologies, and implement solutions using appropriate tools.
• Understand the Client’s current initiatives and priorities and align with key stakeholders
• Manage and deliver analytics projects from conception to completion with actionable insights and recommendations
• Gather and analyze data from VisaNet (i.e., Visa’s transaction data), client’s owned data and 3rd party data sources to understand customer behavior, preferences and trends to help business develop business strategies, optimization activities and improvement of products, marketing techniques
• Maintain quality control and documentation for projects.
• Innovate with Visa's and client data to meet needs.
• Clearly communicate the findings and recommendations from analysis, drive deployment and implementation of analytics solutions, and track business value impact
• Independently develop and articulate a compelling storyline with clear insights and actionable recommendations for clients
• Actively seek out opportunities to innovate by using non-traditional data and new modelling techniques fit for purpose to the needs of our clients
• Structure documents and project deliverables leveraging data insights and client inputs
• Foster thought leadership and innovation in data science.
• Manage communication with clients and stakeholders.
• Identify opportunities for innovation using new techniques.
• Build visualization capabilities to address client problems.
• Identify market trends through deep analysis of payment industry information.
• Manage the transfer of technical knowledge for business solution implementation.

Client Management

• Manage and take ownership of all data-related client deliverables and discussions
• ·Navigating complex team dynamics
• Work independently, seeking guidance as needed while ensuring ownership
• Influence multiple teams they work with or lead

• 8+ or more years of relevant work experience with a Bachelor's Degree or at least 4 years of work experience with an Advanced degree (e.g. Masters, PhD)
• ·Hands-on experience in applying data analytics and modeling to solve business problems in banking, payment, or related industries

Data extraction skills 

Proficient in writing complex SQL queries for data extraction and manipulation

Ability to handle and process large datasets efficiently

Experience with big data technologies such as Apache Hive and Spark

Programming, data analytics and modeling skills

• Proficient in Python
• Ability to write efficient, clean, and maintainable code
• Experience with Python libraries for data analytics and modeling, such as Pandas, Numpy, Scikit-learn, Tensorflow / Keras / PyTorch
• Strong understanding of statistical analysis and data visualization techniques

Machine Learning techniques

• Good understanding and practical experience with supervised learning algorithms (including Linear / Logistic Regression, Random Forest, Gradient Boosting Machines), clustering algorithms (including K-Means, GMM), neural networks and deep learning architectures
• Skilled in building and evaluating machine learning models using scikit-learn

Knowledge of the payment industry, retail banking landscape, risk analytics, and regulatory changes in the Vietnam is strongly preferred

• Excellent project management skills as this role involves handling multiple workstreams and stakeholders simultaneously
• Strong team orientation, collaborative, flexible, with the ability to work in a matrixed organization
• Excellent oral and written presentation skills, able to communicate complex technical information clearly

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 protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.