VCA Risk Practice, Credit Risk - Senior Manager

Visa Consulting and Analytics (VCA) drives tangible, impactful and financial results for Visa’s network clients, including both financial services and merchants. Drawing on our expertise in strategy consulting, data analytics, brand management, marketing, operational and macroeconomics, Visa Consulting and Analytics solves the most strategic problems for our clients.

The Consulting Practice within Visa Consulting & Analytics provides consulting, advisory, 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 VCA team provides a comprehensive range of consulting services to deliver solutions that address unique challenges in areas such as improving profitability, strategic growth, customer experience, digital payments and managing risk.

The 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. The selected candidate will primarily serve as a project leader and an advisor to clients on Credit Risk related engagements. There will also be opportunities to develop knowledge and client-facing skills in the areas of Fraud, Identity Risk, AI, and other risk practice initiatives.

Specific Responsibilities Include: 

• Proactively engage with Visa internal teams in regular strategic & planning discussions
• Support Directors in leading consulting initiatives and contributes to closing engagements by identifying potential opportunities with clients
• Develop frameworks, approaches, solutions, and recommendations that effectively and efficiently address the most impactful opportunities and challenges
• Help to build solutions and measurable insights that will help clients to grow their portfolios and customer engagement in their core business
• Collaborate cross-functionally (e.g., marketing, sales, risk, legal) and across global regional teams to execute projects in ways that use the breadth and depth of Visa’s resources. Also partner with segment teams to drive actionable client results.
• Produce insights, analyses, and recommendations to improve client performance, boost growth, drive understanding of client issues and provide strategic mentorship for client priorities across the verticals and segments
• Ability to reliably manipulate and analyze large data sets (industry and Visa) to identify meanings insights and recommendations for clients
• Build new scalable solutions, toolkits, standard methodology documents and consulting approach that can be applied across VCA practice

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Basic Qualifications:

• 8 or more years of relevant work experience with a Bachelor Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD

Preferred Qualifications:

• 9 or more years of relevant work experience with a Bachelor Degree or 7 or more relevant years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3 or more years of experience with a PhD
• Prior experience at large management consulting firm, Financial Institution, or at a major card issuer focused on credit risk areas
• Experience using financial indicators to measure business performance with a significant focus on impacting return on investment
• Strong analytical skills, with demonstrated intellectual and analytical complexity
• Self-motivated, results oriented individual with the ability to handle numerous projects concurrently
• Knowledge and understanding of banking operations and/or payment schemes, including products & services, business systems and processes, marketing initiatives and card acquiring/issuing experience
• Outstanding 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

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 $130,600 to $221,600 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. **