Responsibilities:

• Design, develop, and deploy machine learning and statistical models for large-scale, real-time and batch payment systems.
• Apply advanced techniques in supervised, unsupervised, and semi-supervised learning, including deep learning, anomaly detection, and graph-based models.
• Partner with data engineers and platform teams to build scalable ML pipelines for training, inference, monitoring, and retraining.
• Collaborate with product managers and domain experts to define ML-driven solutions aligned with business objectives.
• Conduct exploratory data analysis, feature engineering, and model experimentation using large, complex datasets.
• Evaluate model performance using robust offline metrics and online experimentation (A/B testing).
• Drive improvements in model accuracy, latency, explain ability, robustness, and fairness.
• Contribute to architectural decisions related to ML platforms, model serving, and real-time decision systems.
• Mentor junior scientists and engineers in ML best practices, experimentation rigor, and applied research.
• Stay current with emerging research and apply relevant advances in machine learning, AI, and data science to production systems.
• Translate ambiguous business problems into well-defined ML formulations and solution approaches.
• Own the end-to-end ML lifecycle: problem definition, data preparation, modeling, evaluation, deployment, and monitoring.
• Produce high-quality technical documentation explaining model design, assumptions, and trade-offs.
• Collaborate across engineering, product, architecture, risk, and operations teams to ensure successful adoption of ML solutions.
• Provide technical leadership in model reviews, experimentation design, and production readiness assessments.
• Support production models, including troubleshooting performance degradation and participating in on-call rotations as needed.
• Ensure models meet Visa’s standards for security, privacy, compliance, and ethical AI.

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

Basic Qualifications:
5+ years of relevant work experience with a Bachelor’s Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD, OR 8+ years of relevant work experience.

Preferred Qualifications:
5+ years of relevant work experience with a Bachelor’s Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD, OR 8+ years of relevant work experience.
5+ years of relevant experience with a Bachelor’s degree, or 3+ years with an advanced degree.
Degree in Computer Science, Machine Learning, Statistics, Applied Mathematics, or a closely related field.
Proven experience designing and deploying machine learning models in production.
Strong foundation in statistics, probability, linear algebra, and optimization.
Expertise in algorithms, data structures, and large-scale data processing.
Proficiency in Python and common ML libraries (e.g., NumPy, pandas, scikit-learn, PyTorch, TensorFlow).
Experience working in Agile environments and collaborating with cross-functional teams.
Demonstrated analytical rigor, strong problem-solving skills, and independent technical judgment.

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 152,200.00 to 243,700.00 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.