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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

Position Summary

We are seeking an innovative & analytical thinker to support our Data Science team in the North America (NA) region based in Bangalore, India. As a senior resource, you are expected to work on strategic executive projects, evaluation & development of new approaches to solve

common business challenges, explores & develops new capabilities & modeling techniques which can benefit multiple clients across geographies

Principal Responsibilities

  • 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
  • Partner with a variety of Visa teams to provide comprehensive solutions
  • Find opportunities to craft products out of analyses that are suitable for multiple clients
  • Work with stakeholders throughout the organization to identify opportunities for leveraging Visa data to drive business solutions
  • Synthesize ideas/proposals in writing & engage in productive discussions with external or internal stakeholders
  • Mine & analyze data from company databases to drive optimization & improvement of product, marketing techniques & business strategies for Visa & its clients
  • Assess the effectiveness & accuracy of new data sources & data gathering techniques.
  • Develop custom data models & algorithms to apply to data sets.
  • Use predictive modeling to increase & optimize customer experiences, revenue generation, data insights, advertising targeting & other business outcomes.
  • Develop processes & tools to monitor & analyze model performance & data accuracy
  • Broad knowledge across the entire data science lifecycle, including data engineering, statistics & governance
  • Provide guidance in modern analytic techniques & business applications to unlock the value of Visa's unique data set, in keeping with market trends, client needs & emerging techniques
  • Organize & manage multiple data science projects with diverse cross-functional stakeholders


Professional Experience

  • Minimum of 6+ years of analytics expertise in applying statistical solutions to business problems
  • Experience working in one or more of the Card Payments markets around the globe
  • Post-graduate degree (Masters or PhD) in a Quantitative field such as Statistics, Mathematics, Operational Research, Computer Science, Economics, Engineering, or equivalent
  • Good understanding of the Payments & Banking Industry including aspects such as consumer credit, consumer debit, prepaid, small business, commercial, co-branded & merchant
  • Good knowledge of data, market intelligence, business intelligence, & AI-driven tools & technologies
  • Experience planning, organizing, & managing multiple large projects with diverse cross-functional teams
  • Demonstrated ability to incorporate new techniques to solve business problems
  • Demonstrated resource planning & delivery skills
Technical Expertise
  • Experience in distributed computing environments / big data platforms (Hadoop, Elasticsearch, etc.) as well as common database systems & value stores (SQL, Hive, HBase, etc.)
  • Ability to write scratch MapReduce jobs & fluency with Spark frameworks
  • Familiarity with both common computing environments (e.g. Linux, Shell Scripting) & commonly-used IDE's (Jupyter Notebooks); proficiency in SAS technologies & techniques
  • Strong programming ability in different programming languages such as Python, R, Scala, Java, Matlab, C++, & SQL
  • Experience in drafting solution architecture frameworks that rely on API's & micro-services
  • Familiarity with common data modeling approaches, & ability to work with various datatypes including JSON, XML, etc.
  • Ability to build data pipelines (e.g. ETL, data preparation, data aggregation & analysis) using tools such as NiFi, Sqoop, Ab Initio; familiarity with data lineage processes & schema management tools such as Avro
  • Proficient in some or all of the following techniques: Linear & Logistic Regression, Decision Trees, Random Forests, K-Nearest Neighbors, Markov Chain, Monte Carlo, Gibbs Sampling, Evolutionary Algorithms (e.g. Genetic Algorithms, Genetic Programming), Support Vector Machines, Neural Networks, etc.
  • Expert knowledge of advanced data mining & statistical modeling techniques, including Predictive modeling (e.g., binomial & multinomial regression, ANOVA); Classification techniques (e.g., Clustering, Principal Component Analysis, factor analysis); Decision Tree techniques (e.g., CART, CHAID)
  • Experience in experimental designs (e.g., A/B testing, survey analysis, etc.)
  • Deliver results within committed scope, timeline & budget
  • Very strong people/project management skills & experience
  • Ability to travel when needed (0-5 percent of time)

Business Experience

  • Results-oriented with strong problem solving skills & demonstrated intellectual & analytical rigor
  • Good business acumen with a track record in solving business problems through data-driven quantitative methodologies.
  • Experience in payment, retail banking, or retail merchant industries is preferred
  • Very detailed oriented, is expected to ensure highest level of quality/rigor in reports & data analysis
  • Proven skills in translating analytics output to actionable recommendations & delivery
  • Experience in presenting ideas & analysis to stakeholders whilst tailoring data-driven results to various audience levels

Additional Information

Leadership Competencies

  • Demonstrates integrity, maturity & a constructive approach to business challenges
  • Serves as a role model for the organization & implementing core Visa Values
  • Maintains respect for individuals at all levels in the workplace
  • Strives for excellence & extraordinary results
  • Uses sound insights & judgments to make informed decisions in line with business strategy & needs
  • Able to allocate tasks & resources across multiple lines of business & geographies
  • Demonstrates ability to influence senior management within & outside Data Science groups
  • Can successfully persuade/influence internal stakeholders towards building best-in-class solutions
  • Provides change management leadership
  • Team oriented, collaborative, diplomatic, & flexible style
  • Exhibits intellectual curiosity & a desire for continuous learning
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