Director, VCA NA Risk Practice

About Us

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.

Visa will accept applications for this role until at least 09-30-2026.

Visa Consulting & Analytics (VCA), the consulting arm of Visa, is a global team of industry experts in strategy, marketing, operations, risk, money movement and digital consulting, with decades of experience in the payments industry. Our VCA teams offers:

• Consulting services customized to the needs of Visa clients’ business objectives and strategy
• Scalable solutions Visa clients can leverage to improve performance in product, marketing and operations
• Proven data‑driven marketing strategies to increase clients’ ROI

The Consulting Practice within VCA provides consulting and solution services for Visa's largest issuers in North America. We apply deep expertise in the payments industry to provide solutions to assist clients with their key business priorities, drive growth and improve profitability.

The Risk Practice advises Visa clients and ecosystem partners on core risk management areas for card portfolio management, including originations, strategies, underwriting, fraud, authorisations, disputes, credit line management, and collections.

VCA team is looking for an individual to join our Risk Practice and play a role in developing high‑impact projects for Visa's clients. The potential candidate will be responsible for delivering and implementing projects and solutions as the leader of our Credit and Identity Risk Practice. This person will design, implement, and optimise strategies across the credit lifecycle to enhance risk management, improve decision‑making, and drive business growth.

This role requires deep expertise in credit risk frameworks, data analytics, with a strong focus on innovation and operational efficiency.

Responsibilities include

• Proactively engage Visa senior leaders in strategy, planning, and pipeline discussions, cultivating and managing a portfolio of Credit Risk opportunities across North America.
• Lead end‑to‑end credit risk consulting initiatives, contributing to origination and closing of engagements by identifying and shaping opportunities across all VCA segments, including consumer, commercial, small business, and fintech clients.
• Deliver and scale automated credit policy and decisioning solutions, including policy frameworks, model‑driven decision logic, model adjustment tools, and governance‑ready artifacts to support issuer underwriting and portfolio management needs.
• Partner closely with data science teams to deploy and interpret predictive models, forecasts, and stress scenarios – translate analytical outputs into clear business decisions and actionable recommendations.
• Conduct credit maturity assessments across onboarding, underwriting, line management, and collections processes, identifying capability gaps and recommending industry best practices and target‑state operating models.
• Deliver and scale loss‑forecasting and mitigation solutions, including expected loss projections, scenario/stress analytics, and strategy recommendations to proactively reduce delinquencies and credit losses across the portfolio.
• Design and implement dashboards, scorecards, and KPIs to monitor credit risk performance, delinquency trends, early‑warning indicators, and overall portfolio health.
• Develop customer lifetime value (CLV) and portfolio economics models to inform acquisition, underwriting, pricing, and line management strategies, balancing growth, risk, and profitability.
• Build repeatable frameworks, methodologies, and solution architectures that address complex client challenges across issuers, acquirers, merchants, processors, and fintech…