Sr. Director - Risk Practice VCA

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

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 
• VCA team is looking for an individual to join our consulting practice and play a role in developing high impact projects for Visa’s clients in the North America region. The potential candidate will be responsible for delivering and implementing projects and solutions as the leader of our Credit and Identity Risk Practice. 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 expertise in credit risk frameworks, data analytics, and identity, with a strong focus on innovation and operational efficiency. 
• Potential engagements could include credit line optimization, underwriting maturity assessment, not sufficient funds, Credit Policy Assessments, SME Portfolio Growth Strategies etc. 
• Specific responsibilities include: 
• Proactively engage Visa leaders in regular strategic & planning discussions cultivate and manage a pipeline of work related to Credit and Identity Risk. 
• Lead consulting initiatives and contribute to closing engagement by identifying potential opportunities in Credit and Identity Risk across all segments of VCA in North America. 
• Conduct maturity assessments for underwriting 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. 
• Partner with peers in other functional areas (e.g. risk, client services, risk products, data science, managed services, etc.) and across global regional teams to execute projects in ways that leverage the breadth and depth of Visa’s resources 
• 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 
• 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. 
• Train team members on portfolio management topics to develop the next generation of subject matter experts  

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

Basic Qualifications

• 12 years of work experience with a bachelor’s degree, 10 years of work experience with Masters,MBA, or a minimum of 8 years of work experience with a PhD

Preferred Qualifications:

• 15-18 years of experience with a bachelor’s degree or 12 years of experience with an Advanced Degree (e.g. Masters, MBA, or PhD)
• 10-15 years of relevant experience managing credit and identity risk is financial institutions or large management consulting firm
• Proven experience in credit risk management, consulting frameworks, and lifecycle optimization.
• Strong analytical skills with proficiency in predictive modeling and dashboard development.
• Familiarity with regulatory compliance, fraud prevention, and risk governance policies.
• 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
• 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 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 a new hire into this position is 179,300 to 280,100 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.