Sr. Director, Consumer Card Products

Visa•Foster City, CA

4h•Hybrid

About The Position

Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid. At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters — to you, to your community, and to the world. Progress starts with you. Reporting to the Head of Global Card Products, the role-holder will be responsible for initiatives across three broad areas of responsibility: Credit Expansion: working closely with Corporate Strategy, Regional Product partners and other key stakeholders across the business to build out Visa’s ‘Credit Expansion’ strategic imperative designed to expand Visa’s share of carded credit volumes globally and to build new solutions that address non-carded credit opportunities, to meet our targeted credit volumes per annum by 2030. Strengthen Debit: again, partnering with Corporate Strategy and key Regional Product and functional stakeholders, develop and finalize Visa’s approach to protecting and expanding our debit & prepaid business within mature markets, and growing in other parts of the world, managing for competitive and regulatory threats to deliver net revenue targets by FY30 New Solution development & deployment: in line with these strategic initiatives and working closely with regional SMEs, technology teams and other key stakeholders, deliver new solutions and features to enhance Visa’s market competitiveness and overall core product utility. The role-holder will lead a small global team of SMEs and will work closely with colleagues from across Visa’s 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. The role-holder will be responsible for the identification, development, commercialization and launch of new ways to grow the consumer credit business as well as strengthening our debit franchise globally, as part of Visa’s 2030 corporate strategy. You will need to be driven, highly collaborative and will be the key interface between the regional/in-market teams and Visa’s global teams to ensure our platforms drive product differentiation, consumer activation and engagement to expand issuance and drive usage. As well as working with regional, client-facing teams, you will work closely with colleagues from different Product groups, along with Corporate Strategy, Marketing, Client Services, Finance, Pricing, Risk Legal and Compliance. This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager.

Requirements

12 or more years of work experience with a Bachelor’s Degree or at least 10 years of work experience with an Advanced degree (e.g. Masters/MBA /JD/MD), or a minimum of 5 years of work experience with a PhD
15 or more years of experience with a Bachelor’s Degree or 12 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, or MD), PhD with 9+ years of experience
13 - 15+ years of experience and at least 8 – 10 years of experience in the payments industry, preferably in product development, product management & strategy
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
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 payments’ business models & profitability drivers
Excellent direct & indirect team building & leadership skills; managing local & remote team members as well as “dotted line” / extended team members in global regions
Master’s degree in business, engineering or a related field

Nice To Haves

Experience in financial services, fintechs, retail and ecommerce will be an advantage
Understanding of network product, rules, technology & financial business models will be advantageous
Understanding of Visa business and organization strongly preferred

Responsibilities

Lead initiatives across Credit Expansion, strengthening Debit, and New Solution development & deployment.
Expand Visa’s share of carded credit volumes globally and build new solutions for non-carded credit opportunities.
Protect and expand Visa’s debit & prepaid business in mature markets and grow it in other regions.
Deliver new solutions and features to enhance market competitiveness and core product utility.
Lead a small global team of SMEs.
Develop end-to-end consumer experiences that drive client preference for Visa.
Identify, develop, commercialize, and launch new ways to grow the consumer credit business.
Strengthen Visa's debit franchise globally.
Act as the key interface between regional/in-market teams and Visa’s global teams.
Drive product differentiation, consumer activation, and engagement to expand issuance and drive usage.
Collaborate with various departments including Corporate Strategy, Marketing, Client Services, Finance, Pricing, Risk, Legal, and Compliance.