Credit Underwriter - Mid-Market/Enterprise

Company Description

Visa is a world leader in digital payments, facilitating more than 215 billion payments transactions between consumers, merchants, financial institutions and government entities across 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.

When you join Visa, you join a culture of purpose and belonging – where your growth is priority, your identity is embraced, and the work you do matters. We believe that economies that include everyone everywhere, uplift everyone everywhere. Your work will have a direct impact on billions of people around the world – helping unlock financial access to enable the future of money movement.

Join Visa: A Network Working for Everyone.

Job Description

The Credit Underwriter will be an integral part of our Acceptance Solutions team and will be responsible for underwriting merchant applications for our growing Cybersource and Authorize.net merchant base.

Specific Responsibilities will include:

• The person selected for this role is expected to become an expert on all aspects of our Bundled Acquiring services and engage cross functionally as a “go-to person”

• 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 Bundled Acquiring Group

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.

Qualifications

Basic Qualifications
• 2 or more years of work experience with a Bachelor’s Degree or an Advanced Degree (e.g. Masters, MBA, JD, MD, or PhD)

Preferred Qualifications
• 3 or more years of work experience with a Bachelor’s Degree or more than 2 years of work experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) in Finance, Economics or Accounting
• 3-5 years’ experience with credit underwriting. Previous experience with Merchant Acquiring or Credit Card processing is a plus
• Signing authority over risk exposure commensurate with job level and product offering
• Expert knowledge and 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
• Comfortable with and influential on outbound calls and in engaging with internal and external parties at all levels of an organization
• Strong written and verbal communication skills

Additional Information

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