Visa is a world leader in digital payments, facilitating more than 215 billion payments transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive.

When you join Visa, you join a culture of purpose and belonging – where your growth is priority, your identity is embraced, and the work you do matters. We believe that economies that include everyone everywhere, uplift everyone everywhere. Your work will have a direct impact on billions of people around the world – helping unlock financial access to enable the future of money movement.

Join Visa: A Network Working for Everyone.

The Credit Settlement Risk organization is responsible for protecting Visa from financial losses arising from the failure of Visa clients while enabling and supporting responsible innovation and business growth.

The primary responsibilities of the Director, Clients Portfolio Management is to oversee all the data for our top issuing and acquiring clients, as well as all sensitive clients, so we understand the entire view of assets and liability on our P&L and anything that can impact our net Risk position. The person will manage and enhance portfolio credit risk deliverables like client surveillance management and reporting for internal and external stakeholders.

The Director, Clients Portfolio Management will report into the Global Credit Settlement Risk (CSR) organization and will drive a robust monitoring environment through designing optimized data gathering processes, efficient clients referential organization, streamlined aggregation methodologies, analysis, reporting, presentations, and written updates to management.

The successful candidate will have strong risk and credit skills and a deep understanding of the financial markets and payment ecosystems. The person will be able to develop and manage relationships across the company with a wide variety of partners based on trust, teamwork and knowledge. Primary responsibilities will include: 

• Drive a robust effective monitoring environment leveraging reporting, data and other information and proactively identify and address relevant issues.
• Provide key stakeholders timely and effective updates, summaries, and presentations to complement reporting and advise of emerging trends.
• Follow through on potential issues to address and resolve as necessary.
• Coordinate and contribute to presentations in response to regulatory and senior management requests.
• Support enterprise initiatives and partner with applicable stakeholders across the firm on emerging topics.
• Manage specific credit risk situations: complex clients exposing Visa to heightened risk, monitoring of the crypto industry as well as Fintech’s, etc.

This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office two days a week, Tuesdays and Wednesdays with a general guidepost of being in the office 50% of the time based on business needs.

Basic Qualifications:

• 10 or more years of work experience with a Bachelor’s Degree or at least 8 years of work experience with an Advanced Degree (e.g., Masters/ MBA/JD/MD) or at least 3 years of work experience with a PhD.

Preferred Qualifications:

• 12 or more years of work experience with a Bachelor’s Degree or 8-10 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 6+ years of work experience with a PhD.
• Strong risk and credit risk skills.
• The ability to work under pressure and meet tight deadlines.
• Proven track record and ability to network, engage and influence senior and executive management.
• The ability to clearly articulate results after analyzing large scales of data to senior management as the basis for supporting making key credit decisions.
• Innovative and creative thinker with a proven track record of delivery and ability to manage several projects concurrently and see them through from conception to conclusion
• Excellent verbal and written communication skills with the ability to present clear and concise recommendations to management.
• Flexible and creative thinker with strong execution skills, generate out-of-the-box solutions, manage ambiguity, anticipate the impact of decisions/initiatives and able to move seamlessly from high level concepts to details.
• Strong Visa or other payment industry knowledge.

U.S. APPLICANTS ONLY: The estimated salary range for a new hire into this position is 138,500 to 180,000 USD, which may include potential sales incentive payments (if applicable).  Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity.  Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401 (k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.

Work Hours: Varies upon the needs of the department.

Travel Requirements: This position requires travel 5-10% of the time.

Mental/Physical Requirements: This position will be performed in an office setting.  The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status.  Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.