Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in 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 while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Visa Consulting and Analytics (VCA), the consulting arm of Visa, is a global team of industry experts in strategy, marketing, operations, risk and economics consulting, with decades of experience in the payments industry.

Our VCA teams offers:

• Consulting services customized to the needs of Visa client’s business objectives and strategy
• Business and economic insights and perspectives that impact business and investment decisions
• Self-service digital solutions Visa clients can leverage to improve performance in product, marketing and operations
• Proven data-driven marketing strategies to increase clients’ ROI

 VCA team is looking for an individual to join our consulting practice and play a role developing high impact projects for Visa’s clients in Caribbean and Central American Countries. This potential candidate will be responsible for developing and implementing statistical modeling to address key strategic needs for Visa’s clients including issuers, acquirers and merchants.

*Another location available for the right candidate (San Jose, Costa Rica)*

Responsibilities

• Develop and deploy analytical models and techniques within the organization and VCA’s clients including issuers, acquirers and merchants
• Work with large volumes of data, extract and manipulate large datasets using standard tools such as Hadoop (Hive), Spark, Python (pandas, NumPy), SAS, SQL, etc.
• Hands-on skills in cleaning, manipulating, analyzing, and visualizing large data sets.
• Data Cleansing/Wrangling – This involve parsing and aggregating messy, incomplete, and unstructured data sources to produce data sets that can be used in analytics/predictive modeling.
• Develop and validate advance analytics models, algorithms, and other capabilities to solve business problem.
• Utilize Visa's data and analytic capabilities, technology, and industry expertise to develop, standardized and implement the consulting analytical solutions.
• Identify relevant market trends by country, based on a deep analysis of payment industry information. Interacting with several internal and external stakeholders for the strategic definition of analysis and initiatives.
• Continuously develop and present innovative ideas in order to improve current business practices within Visa.
• Perform client-specific analysis on portfolio data including proprietary information, such as customer demographics, activity, spend levels and financial information.
• Communicate complex concepts and the results of the analyses in a clear and effective manner.
• Support transfer technical knowledge to facilitate implementation of the business solution provided.
• Document all projects developed, including clear and efficient coding, and write other documentation as needed.
• Identify and share best practices for key topics.

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 2-3 set days a week (determined by leadership/site), with a general guidepost of being in the office 50% or more of the time based on business needs.

Basic Qualifications

• 4 years of work experience with a Bachelor’s Degree (eg: Statistics, Computer Science, Engineering or other related fields) or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD)

Preferred Qualifications

• 7-10 years of work experience and a Bachelor’s Degree or 6 years of work experience with an Advanced Degree (e.g. Masters, MBA, JD, MD).
• Previous exposure (minimum of 5 years of work experience) to financial services/banking, credit cards or retailer/merchant analytics.
• Strong interest in the future of payments is a must.
• Experience in retail banking, payments, and/or financial services.
• Proven experience in Risk Management, particularly in Credit or Fraud Risk, within a Financial Institution.
• Strong understanding of financial risk models, credit scoring, and fraud detection methodologies.
• Familiarity with financial regulations and compliance requirements related to risk management.
• Ability to integrate data from various sources for comprehensive risk assessments.
• Hands-on experience extracting and manipulate large datasets (Big Data) using standard tools such as Hadoop (Hive), Spark, Python (pandas, NumPy), SAS (E. Guide, Macro programming), SQL, etc.
• Hands-on experience in advanced analytics and statistical modeling including Linear Regression, Logistic Regression, Clustering methods (e.g. K-means), Classification models, among others.
• Hands-on experience developing Machine Learning models is a plus (Random Forest, Gradient Boosting, SVM, ANN) using Python (scikit-learn), R, Spark MLlib.
• Advanced knowledge of data visualization software such as Tableau and Power BI
• Translate data analysis insights to a business language.
• Continuously develop and present innovative ideas based on data driven approach in order to improve current business practices within Visa.
• Excellent project management, organizational and presentational skills.
• Knowledge of Agile methodology and scrum practices.
• Proven ability to quickly learn and apply new techniques.
• Ability to multi-task various projects while meeting required deadlines.
• Strong teamwork, relationship management and interpersonal skills.
• Results oriented.
• Bilingual Spanish/English (spoken/written).

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.

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, and reach with hands and arms.