VCA Risk Practice - Manager, Credit Risk

Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale - tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters - to you, to your community, and to the world.

Progress starts with you.

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 US Consulting Practice within VCA provides consulting and solution services for Visa's largest issuers in the UnitedStates. We apply deep expertise in the payments industry to provide solutions to assist clients with their key business priorities, drive growth and improve profitability. TheVCA 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 VCA team is looking for a Manager to join our Risk practice and play a role in delivering high-impact projects and solutions for Visa's clients in the North America region. Assigned engagements may relate to core risk management areas for card portfolio management, including originations strategies, underwriting, fraud, credit line management, and collections. The Manager will also support practice leaders in business reporting, drafting internal presentations, sales materials, case studies, and with other duties as assigned.

Specific Responsibilities:

• Lead client engagements across the credit risk lifecycle-origination, underwriting, portfolio management, and collections-ensuring delivery of actionable solutions.
• Partner with senior stakeholders to define and implement strategies that balance growth with risk, leveraging Visa's data and analytics capabilities.
• Develop scalable approaches, toolkits, and best practices for underwriting, line management, and collections optimization.
• Champion and incorporate AI-driven solutions to enhance workflow and processes.
• Proactively identify opportunities to integrate analytics to enhance engagement offerings.
• Assess client programs against industry best practices, identify gaps, and deliver actionable recommendations for improvement.
• Work closely with sales, marketing, data science, legal, and global teams to deliver integrated credit risk solutions.

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

Basic Qualifications

• 5 or more years of relevant work experience with a Bachelors 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

Preferred Qualifications

• 6 or more years of work experience with a Bachelors Degree or 4 or more years of relevant experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or up to 3 years of relevant experience with a PhD
• Relevant experience at large management consulting firm, financial institution, or at a major card issuer focused on credit risk or related topics
• Experience working with financial indicators to measure business performance. Significant focus on impacting ROI
• Strong analytical skills, with demonstrated intellectual and analytical rigor
• 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 experience
• Excellent communication, story-telling and presentation skills
• Team player
• Technology mindset, curious, up-to-date with digital trends and applications

Work Hours: Varies upon the needs of the department.

Travel Requirements: This position requires travel5-10% 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 a new hire into this position is 114,400 to 175,650 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.