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Visa // credit cards
Engineering, Full Time       Posted: Thursday, August 08, 2019
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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

To ensure that Visa's payment technology is truly available to everyone, everywhere requires the success of our key bank or merchant partners & internal business units. The Global Data Science group supports these partners by using our extraordinarily rich data set that spans more than 3 billion cards globally & captures more than 100 billion transactions in a single year. Our focus lies on building creative solutions that have an immediate impact on the business of our highly analytical partners. We work in complementary teams comprising members from Data Science & various groups at Visa. To support our rapidly growing group we are looking for Data Scientists who are equally passionate about the opportunity to use Visa's rich data to tackle meaningful business problems. You will join one of the Data Science focus areas (e.g., banks, merchants & retailers, digital products, marketing) with an opportunity for rotation within Data Science to gain broad exposure to Visa's business.

The position is based at Visa's headquarters in the San Francisco Bay Area (Foster City, CA).

Essential Functions

  • Understand credit card portfolio profitability & develop financial allocation & forecasting models, e.g. calculate NPV, net profit margin using P&L data

  • Ensure issuer data accuracy, integrity & consistency. Develop self-service reporting tools with financial KPIs & facilitate issuer consulting engagements including data exchange

  • Find opportunities to create, automate & scale repeatable financial & statistical analysis for Visa Consulting & Analytics

  • Assist in analytics & communication of key financial revenue driver trends & performance

  • Drive in-depth analysis to help issuers increase cardholder usage & engagement, providing data driven insights & actionable recommendations to improve cardholder activation & usage

  • Be an out-of-the-box thinker who is passionate about brainstorming innovative ways to use our unique data to answer business problems

  • Communicate with clients to understand the challenges they face & convince them with data

  • Extract & understand data to form an opinion on how to best help our clients & derive relevant insights

  • Develop visualizations to make your complex analyses accessible to a broad audience

  • Find opportunities to craft products out of analyses that are suitable for multiple clients

  • Assess the effectiveness & accuracy of new data sources & data gathering techniques.

    Physical Requirements

    This position will be performed in an office setting. The position will require the incumbent to sit & stand at a desk, communicate in person & by telephone, frequently operate standard office equipment, such as telephones & computers, reach with hands & arms, & bend or lift up to 25 pounds.


    This position requires the incumbent to travel for work 0-5% of the time


Basic Qualifications

  • 2 years of work experience with a Bachelor's Degree or an Advanced Degree (e.g. Masters, MBA, JD, MD, or PhD)

Preferred Qualifications

  • 2+ years' experience in data-based decision-making or quantitative analysis

  • Bachelor's degree in an analytical field such as finance, economics, statistics, operations research, computer science or many others (graduate degree is a plus)

  • Previous exposure to financial services, credit cards P&L or other financial planning & analytics is strongly preferred

  • Experience with extracting & aggregating data from large data sets using SQL or other tools

  • Competence in Excel, PowerPoint & Tableau

  • Experience in understanding & analyzing data using statistical software (e.g., Python, SAS, R, Stata or others)

Additional Information

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines & applicable local law.

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