Sr. Director, Credit Card Products

Company Description

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.

Job Description

Team Summary

The Card Product group manages the deployment and optimization of Visa’s core products base consisting of Credit, Debit and Prepaid payments solutions globally. The team is also responsible for the development and deployment of innovation across this product suite. To do this, we work in close partnership with Visa clients and key internal and external stakeholders across the globe. We are also the team responsible for leading the transition of conventional card-based solutions onto digital form factors, ensuring Visa payments solutions remain the market-leading way for consumers to spend their money and manage their payments across Visa’s global regions.

What the Senior Director, Credit Product Management (Global) does at Visa:

Reporting to the Global Head of Card Products, the Head of Credit Product Management will be responsible for initiatives across four broad areas of responsibility.

1. Credit Product operational efficiency, centered on Product Rule definition and modernization as well as administration of waivers. Product Rules are core to delivery of Visa credit products across our markets.
2. Credit Product best practices, leading identification and development and execution of Credit product best practices to drive improvements in usage, activation and preference for Visa amongst consumers
3. Drive credit innovation, through leadership of initiatives within the Visa 2030 strategy to expand Credit across traditional credit card issuance and in the provision of credit outside of credit card issuance
4. Facilitate Visa thought leadership, working closely with regional and in-market teams to develop a clear point of view on the direction of credit to provide use.

The role-holder will lead a team of direct reports and will work closely with Credit Product teams across each of Visas global regions to evolve and build end-to-end consumer experiences that drive client preference for Visa as a strategic partner and make us an enabler of superior value propositions for digitally-enabled consumers.

An essential part of Visas success is the establishment and application of rules and standards, to ensure a uniform, reliable point-of-sale UX, both online and offline. The Head of Credit Product Management will lead the efficient administration of these Rules and Standards as they pertain to Credit Products, ensuring that the Rules are fit-for-purpose, while also ensuring their efficient operation and administration.

The role-holder will be responsible for the identification, development, commercialization and launch of new ways to grow the consumer credit business as part of Visa’s 2030 corporate strategy, working closely with internal Global counterparts as well as Visa issuers to expand credit-card issuance, as well as newer ways of efficiently facilitating the provision of unsecured credit.

As part of this role, the Head of Credit Product Management will also be responsible for facilitating the collation, analysis and dissemination of best practices and recommendations for optimal Credit Product performance both internally within Visa, and as a thought-leader externally, working closely with Visa Consulting & Analytics. 

You will need to be highly collaborative and will be the key interface between the market teams and Visas global team to ensure our platforms drive product differentiation, consumer activation and engagement

As well as working with in-market, client-facing teams, your team will work closely with the Regional counterparts, Corporate Strategy, Marketing, Client Services, Finance, Pricing, Legal and Compliance.

Why this is important to Visa

Credit Products are one of the key basis for Visa’s business globally and encompass conventional card-based credit programs as well as newer solutions such as Instalments. Consumer credit spans most life-stages and income segments in all Visa’s markets from entry-level credit products through to solutions designed to meet the needs of Ultra-High Net Worth consumers and as such is a key platform for revenue generation and consumer engagement for Visa and our clients. As the largest of Visa’s solutions sets, Core Pr