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

The Consulting Practice within VCA provides consulting and solution services for Visa’s clients 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 Credit and Identity Risk Practice advises Visa clients and ecosystem partners on core risk management areas for card portfolio management, including originations strategies, underwriting, credit line management, and collections.

VCA team is looking for an individual to join our 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. 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 and portfolio management strategy developments, and bespoke risk management initiatives. There will also be opportunities in the areas of identity risk, authorization & fraud, GenAI, and other Risk Practice specialty areas.

Specific responsibilities include:

• Proactively engage Visa leaders in regular strategic & planning discussions cultivate and manage a pipeline of work related to Credit Risk.
• Lead consulting initiatives and contribute to closing engagement by identifying potential opportunities in Credit Risk across all segments of VCA in North America.
• Conduct maturity assessments for underwriting, portfolio management, and collections processes, identifying gaps and recommending best practices.
• Implement dashboards and KPIs for monitoring credit risk indicators, delinquency trends, and portfolio health.
• Develop frameworks, approaches, solutions, and recommendations that effectively and efficiently address the most impactful opportunities and challenges from our clients, including issuers, acquirers, merchants, processors and fintechs.
• Build solutions and actionable insights that will help clients to grow their business, monetize their assets and achieve their core business goals.
• Produce insights, analyses and recommendations to improve client performance, boost growth, drive understanding of client issues and provide strategic guidance for client priorities across the product categories and segments
• Ability to reliably manipulate and analyze large data sets (industry and Visa) to identify meanings insights and recommendations for clients
• Drive initiatives for financial inclusion through alternative data strategies targeting underserved segments and identify opportunities for cross-selling and product development based on credit risk insights.

This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager. 

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
• 10-12 years of experience with a bachelor’s degree or 8 years of experience with an Advanced Degree (e.g. Masters, MBA, or 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
• Incumbents applying for the role should be self-motivated, highly energized detail-oriented individuals who will deliver strategic thought leadership, problem diagnostics and high impact solutions to clients support the growth and performance. Candidates must be able to develop enduring, strategic relationships with internal and external clients and across the Visa organization.

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 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.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.

U.S. APPLICANTS ONLY: The estimated salary range for this position is 142,500 to  285,600 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.