Sr. Software Engineer (Gen AI, Fullstack)

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’s Technology Organization is a community of problem solvers and innovators reshaping the future of commerce.   We operate the world’s most sophisticated processing networks capable of handling more than 65k secure transactions a second across 80M merchants, 15k Financial Institutions, and billions of everyday people.   While working with us you’ll get to work on complex distributed systems and solve massive scale problems centered on new payment flows, business and data solutions, cyber security, and B2C platforms.

The Opportunity: 

We are seeking a talented and motivated Sr. Software Engineer to join our VAS Innovation team. As a key member of the team, you will play a critical role in developing cutting-edge solutions, leveraging innovative technologies, and enhancing the capabilities of our Value-Added Services (VAS) platform.

You will be tasked to quickly grasp and evaluate new ideas and technologies from both internal and external sources and match them appropriately with emerging technology and business opportunities, building a culture of innovation and a drive for excellence.

Essential Functions:

• Innovative Development: Engage in the design, development, and implementation of innovative software solutions, using generative AI and modern integration patterns. Contribute to a culture of innovation by actively exploring and applying new ideas and technologies.
• Collaborative Engineering: Collaborate with cross-functional teams to develop and deliver complex projects that integrate emerging technologies with our existing platforms. Work closely with Product Office, Operations & Infrastructure, Cybersecurity, Client Support, and other Product Development teams to build comprehensive solutions.
• Continuous Learning: Engage in continuous learning and development, actively seeking opportunities to enhance your skills and knowledge. Collaborate with peers to share insights and drive team growth.
• Client-Focused Solutions: Develop solutions with a client-centric mindset, ensuring that the VAS platform delivers exceptional value and innovation. Engage with client feedback to refine and improve our offerings.
• API and Integration Development: Contribute to the design and development of APIs that enhance the integration of our Value-Added Services applications, platforms, and solutions.
• Technology Modernization: Participate in the advancement of our modernization roadmap by adopting best-in-class technology solutions for our core platform, expanding our market reach and client base.
• Process Improvement: Continuously assess and improve technology stacks, development processes, and methodologies to enhance productivity, quality, and time-to-market.
• Engineering Excellence: Adhere to industry best practices in software development, emphasizing quality, security, performance, scalability, availability, and resilience. Contribute to the management and reduction of technical debt within projects.
• Automation and Best Practices: Implement best engineering practices and automate software development, testing, and deployment processes. Ensure the timely delivery and maintenance of multiple services, focusing on continuous improvement.
• Incident and Change Management: Support incident management, change, and problem management processes to ensure the high availability and reliability of our services. Participate in root-cause analysis and troubleshooting to resolve issues effectively.

The Skills You Bring:

• Energy and Experience: A growth mindset that is curious and passionate about technologies and enjoys challenging projects on a global scale
• Challenge the Status Quo: Comfort in pushing the boundaries, ‘hacking’ beyond traditional solutions
• Language Expertise: Expertise in one or more general development languages (e.g., Java, Python, NodeJS, C#, C++)
• Builder: Experience building and deploying modern services and web applications with quality and scalability
• Learner: Constant drive to learn new technologies such as GenAI, Angular, React, Kubernetes, Docker, etc.
• Partnership: Experience collaborating with Product, Test, Dev-ops, and Agile/Scrum teams

** We do not expect that any single candidate would fulfill all of these characteristics. For instance, we have exciting team members who are really focused on building scalable systems but didn’t work with payments technology or web applications before joining Visa

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

NOTE: This role does not offer relocation assistance or immigration support now or in the future.

Basic Qualifications:

• 2 or more years of relevant work experience and a Bachelors degree, OR 5 or more years of relevant work experience

Preferred Qualifications

• Education & Experience

• 3+ years with Bachelor's, or 2+ years with Advanced Degree (MS, MBA, etc.)

• 5+ years in software engineering or 2+ years with technical Master’s/PhD

• Programming Skills

• Expert in Java, Python, NodeJS

• Bonus: C++, C#

• Strong in multi-threading, concurrency, error handling

• AI / ML Experience

• Built Generative AI, Conversational AI, RAG systems

• Skilled in NLP, transfer learning, model tuning

• Tools: TensorFlow, PyTorch, scikit-learn

• Experience with model compression, MLOps, robustness

• System Design & DevOps

• CI/CD: Jenkins, Git, Maven, Docker, Kubernetes

• Infra as Code: Terraform

• Experience with Redis, Kafka, Cassandra

• Integrated AI into production systems

• Web & Front-End

• Experience with ReactJS, Angular, NodeJS

• Security & Auth

• Knowledge of OAuth2.0, SSO, certificate management

• Familiar with cryptography, SSDLC, app security

• Other

• Experience with large datasets and cloud infrastructure

• Payments/fintech industry experience is a plus

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 105,800.00 to 149,550.00 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.