Interchange Analyst

  • Singapore, Singapore
  • Full-time

Company Description

As the world's leader in digital payments technology, Visa's mission is to connect the world through the most creative, reliable and secure payment network - enabling individuals, businesses, and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and 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, and 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 and 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, and be part of an inclusive and diverse workplace. We are a global team of disruptors, trailblazers, innovators and risk-takers who are helping drive economic growth in even the most remote parts of the world, creatively moving the industry forward, and doing meaningful work that brings financial literacy and digital commerce to millions of unbanked and underserved consumers.

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

Job Description

Team Summary

Visa's Global Interchange Group sets the financial rate of exchange (i.e., interchange reimbursement fee) between different stakeholders in the payments ecosystem. Effective management of interchange requires a balancing of the economics of a transaction while evaluating new payment use cases and competitive alternatives. 

 What an Analyst of Interchange does at Visa:

The primary focus of this position is to conduct data analysis in support of the development of interchange rates across the Asia Pacific Region. This position will create, maintain and execute analytics and data models to support modification of existing interchange rates and introduction of new interchange rates. In addition, the position will develop dashboards and reporting solutions to enable key stakeholders (i.e. Country, Product, MS&A, etc.) to identify trends and potential issues.

 Why this is important to Visa

Visa's ability to successfully set interchange and balance stakeholder economics is key to creating the financial incentive to grow merchant acceptance and incentivize card issuance and usage in the traditional four party payments model.


We are looking for an individual who brings experience, a curiosity about payments, is results-driven, and client focused. As a candidate, you should have:

  • Bachelor’s Degree in finance, engineering, accounting, mathematics, economics, or related quantitative field.

  • 5+ years of experience in the payment industry / data analysis and/or insight delivery with a proven record of creating business value from data.

  • Analytical and quantitative skills; able to resolve complex business problems with well-structured analyses.

  • Excel and Power Point proficiency is required.

  • Proven expertise in modeling techniques and managing large data sets.

  • Experience in preparing reports.

  • Must be flexible, self-motivated, able to work independently and capable of delivering to specific deadlines.

  • Ability to juggle multiple projects and processes and deal with shifting priorities is essential.

    What will also help:

  • Knowledge of Visa business and business intelligence reporting systems.

  • Strong verbal, written, presentation and interpersonal skills.

  • Self-starter with a demonstrated ability to work collaboratively to achieve results as part of an effective team.

    Projects you will be a part of:

As part of the team, you will get an opportunity to work on strategically important projects for Visa and our Clients, such as:

  • Perform analysis on Visa data to provide management with historical information on existing rates and determine the potential for new rates. This includes analysis for specific merchants, merchant segments, channels, etc., and cost/benefit analysis for issuers, acquirers, and Visa. 

  • Ensure data integrity and consistency of information as well as organized documentation of results and data sources used.

  • Identify and implement process improvements that increase accuracy, efficiency and reusability of analyses and reports.

  • Prepare comprehensive quarterly interchange dashboards and interpret data to identify trends and issues.

  • Manage reporting of Visa interchange rates. Keep rate table accurate and up to date. Provide client and Visa staff interchange rates and qualification criteria as well as field additional ad hoc questions, requests and analysis on interchange.

  • Manage the interchange compliance program to ensure that clients are qualifying for correct interchange rates. Work with country teams and clients to identify where interchange rates are being incorrectly applied.  Track ongoing issues with the Global Interchange team based in California.

  • Assist Interchange team in developing Interchange adjustment proposals and business cases in Power Point to be shared with senior management for approval.

Additional Information

Given the current situation brought about by the pandemic, we have to undertake sufficient labour marketing testing (i.e. ensure we do a proper sweep of the local talent) before we can consider EP applications.

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