Program Analyst

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's Technology Organization is a community of problem solvers and innovators reshaping the future of commerce. We operate the world's most sophisticated processing networks capable of handling more than 65k secure transactions a second across 80M merchants, 15k Financial Institutions, and billions of everyday people. While working with us you'll get to work on complex distributed systems and solve massive scale problems centered on new payment flows, business and data solutions, cyber security, and B2C platforms.

We are seeking a versatile, curious, and impact‑driven Applications Program Analyst who thrives at the intersection of AI, distributed systems, and large‑scale customer impact solving complex challenges on a global scale. In this role, you will be an integral part of a multi‑functional development team leading the execution of next‑generation AI‑powered solutions, partnering closely with engineering, data science, design, security, and business stakeholders.

You will steward development from ideation to scaled deployment, guiding teams to build intelligent, resilient, and trustworthy systems that serve Visa's global network. While building components of powerful payment technology, you will get to see your efforts shaping the digital future of monetary transactions.

• Lead the experimentation pipeline, evaluating new technologies, model types, LLM‑based features, and platform capabilities – and guiding teams through proof‑of‑concepts, pilots, and scaled launches.
• Shape Visa's next‑generation AI ecosystem, leveraging cloud‑native and modern AI/ML technologies to build robust, privacy‑preserving, and globally scalable services.
• Implement innovations for AI‑native capabilities that touch 40% of the world's population, setting new standards for scalability, security, explainability, and reusability.
• Translate complex business challenges into clear engineering roadmaps, user requirements, and technical specifications that enable breakthrough innovation across payment flows, fraud intelligence, data products, and real‑time commerce platforms.
• Drive cross‑functional collaboration, ensuring model developers, platform engineers, UX teams, and product partners align on architecture, capabilities, and success metrics.
• Champion product quality and operational resilience, identifying systemic patterns across data, model performance, bugs, and user friction – and driving durable solutions.
• Enable global impact, mentoring teams, developing best practices, and contributing to internal learning programs to elevate Visa's AI maturity and experimentation culture.

• Write code to fulfill ideation of technical requirements to create functional prototypes by applying one of general programming languages (e.g., Python, NodeJS, Java).
• Provide technical leadership across AI, data platforms, and large‑scale distributed systems – directing strategy for how requirements are collected, evaluated, and transform into decisive product direction to guide product engineers.
• Lead structured discovery with product, engineering, and business stakeholders to recommend architectures, model integration patterns, and scalable design strategies.
• Establish and maintain standards for responsible AI, including data quality, model testing, explainability, observability, and end‑to‑end governance.
• Lead planning and implementation for new AI capabilities and intelligent features, ensuring seamless integration into Visa's global platforms and customer experiences.
• Analyze customer signals, performance patterns, and…