Director, Credit Solutions

What a Director Credit Card Products does at Visa:

Reporting to the SD Credit Card Products the role-holder will be responsible for initiatives across three broad areas of responsibility:

Credit Product best practices - leading identification development and execution of Credit product best practices to drive improvements in usage activation and preference for Visa amongst issuers and consumers Drive credit innovation - through execution initiatives under the leadership of the SD Credit Card Products as part of the Visa 2030 strategy to expand Credit across traditional credit card issuance and the provision of credit outside of credit card issuance Facilitate Visa thought-leadership - working closely with regional teams and stakeholder groups to develop a clear point of view on the impacts of economic and other trends on the future of credit and establishing Visas leadership in optimizing consumer access to credit for internal and external stakeholders.

The role-holder will be part of a small global team and will work closely with colleagues from across Visas global regions as well as with Global stakeholders to develop end-to-end consumer experiences that drive client preference for Visa as a strategic partner and make us an enabler of superior value propositions for digitally-enabled consumers.

An essential part of Visas success is the establishment and application of rules and standards to ensure a uniform reliable point-of-sale UX both online and offline. The Director will be responsible for efficient administration of these Rules and Standards as they pertain to Credit Products ensuring that the Rules are fit-for-purpose while also ensuring their efficient operation and administration.

The role-holder will be responsible for the identification development commercialization and launch of new ways to grow the consumer credit business as part of Visas 2030 corporate strategy working closely with regional teams global stakeholders and Visa issuers to expand credit-card issuance as well as newer ways of efficiently facilitating the provision of unsecured credit.

As part of this role the Director will also be responsible for facilitating the collation analysis and dissemination of best practices and recommendations for optimal Credit Product performance both internally within Visa and as a thought-leader externally working closely with Visa Consulting & Analytics. 

You will need to be highly collaborative and will be the key interface between the market teams and Visas global team to ensure our platforms drive product differentiation consumer activation and engagement

As well as working with regional client-facing teams you will work closely with colleagues from across Product with Corporate Strategy Marketing Client Services Finance Pricing Legal and Compliance.

Why this is important to Visa

Credit Products are one of the key bases for Visas business globally and encompass conventional card-based credit programs as well as newer solutions such as Instalments. Consumer credit spans most life-stages and income segments in all Visas markets from entry-level credit products through to solutions designed to meet the needs of Ultra-High Net Worth consumers and as such is a key platform for revenue generation and consumer engagement for Visa and our clients. As the largest of Visas solutions sets Core Products offer Visa the most visible and impactful opportunity to drive digital payments enablement and thus is a key part of our digital migration strategy.

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

Qualifications :

Basic Qualifications
10 or more years of work experience with a Bachelors Degree or at least 8 years of work experience with an Advanced Degree (e.g. Masters/ MBA/JD/MD) or at least 3 years of work experience with a PhD

Preferred Qualifications
12 or more years of work experience with a Bachelors Degree or 8-10 years of experience with an Advanced Degree (e.g. Masters MBA JD MD) or 6 years of work experience with a PhD
Excellent direct & indirect team building & leadership skills managing local & remote team members as well as dotted line and extended team members in Visas global regions.
13 - 15 years of experience and at least 8 10 years of experience in the payments industry preferably in product development product management & strategy
Experience in financial services fintechs telecom retail and ecommerce will be an advantage
Proven experience in P&L ownership & sharp understanding of macroeconomics consumer behavior product operations business processes
Established credentials in delivering product & business solutions and keen interest in payment technology & innovation
Understanding of network product rules technology will be advantageous
Strategic thought leadership coupled with execution bias to drive initiatives and meet key result areas
Sound business acumen analytical skills and keen understanding of new technology payment business models and profitability drivers
Understanding of Visa business and organization strongly preferred
Excellent direct & indirect team building & leadership skills managing local & remote team members as well as dotted line and extended team members in Visas global regions.
Masters Degree in business engineering or a related field

Additional Information :

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 178400 to 258750 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 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.

Remote Work :

No

Employment Type :

Full-time