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.

The Credit Analyst will be an integral part of our Bundled Acquiring Group and will be responsible for underwriting merchant applications for our growing Authorize.net merchant base.

Specific Responsibilities will include:

• Apply appropriate underwriting criteria to prospective merchant applications in accordance with credit policy to ensure financial exposure is appropriately mitigated.
• Support overall business needs by ensuring Underwriting group makes quality credit decisions within published SLAs.
• Underwrite merchants for both our Enterprise and Small Business platforms.
• Team with Sales and Acquiring Partners in order to provide a seamless experience to prospective merchants.
• Perform periodic reviews of existing merchants in an effort to manage overall risk.
• Work with Sales and Account Management on quantitative and qualitative understanding of merchant’s acceptance costs and processing effectiveness.
• Take an active role within CyberSource to identify and recommend for approval process/policy changes to make the group more effective.
• Contribute, as needed, to ongoing projects for the Acquiring Operations team.

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
Minimum of 6 months of work experience or a Bachelor's Degree

Preferred Qualifications
2 or more years of work experience
•3-5 years experience with credit underwriting. Previous experience with Merchant Acquiring or Credit Card processing is a plus.
•Signing authority over risk exposure commiserate with job level and product offering.
•Experience with financial analysis, including the ability to review and understand financial statements of both small- and large-sized companies which encompasses financial modeling and calculation of key ratios.
•Excellent quantitative and Excel skills
•Strong written and verbal communication skills.

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.

U.S. APPLICANTS ONLY: The estimated salary range for a new hire into this position is 62,700.00 to 88,600.00 USD per year, 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.