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Visa // credit cards
Product, Full Time       Posted: Thursday, February 06, 2020
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Company Description

As the world's leader in digital payments technology, Visa's mission is to connect the world through the most creative, reliable & secure payment network - enabling individuals, businesses, & economies to thrive. Our advanced global processing network, VisaNet, provides secure & reliable payments around the world, & is capable of handling more than 65,000 transaction messages a second. The company's dedication to innovation drives the rapid growth of connected commerce on any device, & fuels the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network & scale to reshape the future of commerce.

At Visa, your individuality fits right in. Working here gives you an opportunity to impact the world, invest in your career growth, & be part of an inclusive & diverse workplace. We are a global team of disruptors, trailblazers, innovators & risk-takers who are helping drive economic growth in even the most remote parts of the world, creatively moving the industry forward, & doing meaningful work that brings financial literacy & digital commerce to millions of unbanked & underserved consumers.

You're an Individual. We're the team for you. Together, let's transform the way the world pays.

Job Description

This role is responsible & accountable for the implementation, management & further development of Visa Consumer cards & Digital products sales optimization program in SEE. The incumbent will be responsible for ensuring that Visa Consumer Card products (Core & Digital) are appropriately positioned & actively promoted to clients with a purpose of growing & retaining Visa's competitive advantage in the Core Product segment.

Principle Responsibilities/Key Results Area

Market insight & intelligence:

Contribute to market & Clients opportunities identification & assessment. Support identification & communication of robust business benefits to support Clients & Visa business case.

Contribute as a subject matter expert to market research projects, analyze research findings, develop & deliver recommendations to internal & external stakeholders.

Generate ideas for product/ services/ programs enhancements. Deliver ongoing competitive analysis of the market to ensure Visa remains highly competitive.

Contribute to development & update of product strategy related to the product/service/campaign/sector & contribute to the delivery of the Products P/L operating within budget.

Product /service management & development

Support implementation, ongoing management & further development of the Visa Core&Digital Products sales optimization program in SEE to grow sales & share of Visa cards i.e.:

Identify target markets & clients, size the opportunity, & develop business justification

Liaise with Country Managers & local marketing teams to ensure client engagement & commitment & appropriate business targets setting

Identify & engage third party vendors / contractors to implement the program

Manage the program's customization to the local markets/banks' needs, implementation, control & assessment of the results

Manage the program budget. Identify opportunities for cost savings & /or potential revenue opportunities to improve P&L.

Contribute to opportunities to expand the program to more CISSEE markets / other sales channels / new products to ensure Visa's sustainable competitive advantage across sales channels for Premium, Credit cards & digital products.

Manage existing solutions & propose development for new & enhanced solutions to satisfy both SEE-wide, local markets, & client needs. Ensure Visa maintains competitive advantage in the SEE payments market. Specifically, support the implementation, ongoing management & further development of the Visa cards & usage, sales optimization program across SEE to grow the share of Visa card sales & purchase volume through banks' branches & across other sales channels.

Support development & management of all aspects of the product/service/program including development of supporting tools & services. Manage variance requests & pilot processes where appropriate, preparing product/service descriptions, managing internal assessment processes, communicating to stakeholders on different levels, representing Visa, clients & market interests to decision makers.

Develop & maintain sales support & training materials for clients & internal staff (including presentations, marketing collateral, content of training courses) as required. Produce & deliver regular & ad hock reports & presentations eg. product/program statistics, program scorecards, performance reports etc.

Sales support & client expert advice

Work closely in the team with other functions & regional offices to help identifing needs, develop solutions & materials to address client needs. Provide support & training to the local sales teams, thereby ensuring they possess all required skills to achieve business plan objectives.

Provide support to Country Managers in negotiations & sales pitches with key banks. Deliver product/service /expert advice to key Clients as required to support business growth & improved performance both for the Client & for Visa.

Communicate with key Clients on different levels & in various capacities - from high-level expert advice & negotiations with management to daily implementation support /training/coaching to sales staff.

Provide support & input to Country Managers on strategically important Client pitches, with ongoing first or second line support to clients, ensuring delivery of the product/service/campaign.


  • Actively contribute to the development of the department through sharing of information, coaching & internal support.
  • Establish, maintain & develop good relationships with the team, with other CISSEE & CEMEA offices & other regions. Work in closed alignment with HUB to achieve synergies.
  • Advocate Visa Products priorities & goals; ensure that Visa global initiatives & Visa best practice are introduced effectively across SEE & CISSEE.
  • Represent Visa in negotiations with suppliers & vendors (when using outsourced services) ensuring high quality/low cost deals for Visa.
  • Ensure accurate budget spend, reconciliation & compliance with CEMEA policies.

  • Bachelor`s Degree/ MBA preferred (business related degree)
  • 7+ years of retail banking experience, preferably in the area of product development & management, branch sales processes organization/management or liability products sales/marketing
  • Understanding of retail banking sales & services processes, including solid knowledge of products, digital products, branch staff training & motivation best practices
  • Entrepreneurial & innovative thinker with strong analytical & project management skills
  • Strong communication, interpersonal & collaboration skills are needed to influence direction & change attitudes of decision made on different levels
  • Ability to act in consultancy role & present confidently in front of various audiences
  • Multicultural sensitivity & interpersonal relationship management, including the ability to work effectively within different CEMEA markets (Middle East, Russia, Eastern Europe Africa)
  • Must have superior analytical skills, project management & communication skills
  • Fluency in English

Additional information

  • Leadership Skills
  • Superior negotiation skills leading to timely & acceptable resolutions
  • Client relationship & management skills
  • Solid interpersonal skills & working with cross functional teams
  • Exceptional communication skills
  • Development & preparation of executive level briefs
  • Self-directed & motivated
  • Able to work with little management oversight
  • Strategic management & creative thinking
  • Analytical in thought processes
  • Recognized Cosumer Products expert
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