Sr. Director - Risk Practice VCA

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

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 client’s 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 
• VCA team is looking for an individual to join our consulting practice and play a role in developing high impact projects for Visa’s clients in the North America region. 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 optimize strategies across the credit lifecycle to enhance risk management, improve decision-making, and drive business growth. This role requires expertise in credit risk frameworks, data analytics, and identity, with a strong focus on innovation and operational efficiency. 
• Potential engagements could include credit line optimization, underwriting maturity assessment, not sufficient funds, Credit Policy Assessments, SME Portfolio Growth Strategies etc. 
• Specific responsibilities include: 
• Proactively engage Visa leaders in regular strategic & planning discussions cultivate and manage a pipeline of work related to Credit and Identity Risk. 
• Lead consulting initiatives and contribute to closing engagement by identifying potential opportunities in Credit and Identity Risk across all segments of VCA in North America. 
• Conduct maturity assessments for underwriting and collections processes, identifying gaps and recommending best practices 
• Implement dashboards and KPIs for monitoring credit risk indicators, delinquency trends, and portfolio health 
• Develop frameworks, approaches, solutions, and recommendations that effectively and efficiently address the most impactful opportunities and challenges from our clients, including issuers, acquirers, merchants, processors and fintechs. 
• Build solutions and actionable insights that will help clients to grow their business, monetize their assets and achieve their core business goals. 
• Partner with peers in other functional areas (e.g. risk, client services, risk products, data science, managed services, etc.) and across global regional teams to execute projects in ways that leverage the breadth and depth of Visa’s resources 
• Produce insights, analyses and recommendations to improve client performance, boost growth, drive understanding of client issues and provide strategic guidance for client priorities across the product categories and segments 
• Drive initiatives for financial inclusion through alternative data strategies targeting underserved segments and identify opportunities for cross-selling and product development based on credit risk insights. 
• Train team members on portfolio management topics to develop the next generation of subject matter experts  

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Qualifications

Basic Qualifications

• 12 years of work experience with a bachelor’s degree, 10 years of work experience with Masters,MBA, or a minimum of 8 years of work experience with a PhD

Preferred Qualifications:

• 15-18 years of experience with a bachelor’s degree or 12 years of experience with an Advanced Degree (e.g. Masters, MBA, or PhD)
• 10-15 years of relevant experience managing credit and identity risk is financial institutions or large management consulting firm
• Proven experience in credit risk management, consulting frameworks, and lifecycle optimization.
• Strong analytical skills with proficiency in predictive modeling and dashboard development.
• Familiarity with regulatory compliance, fraud prevention, and risk governance policies.
• Ability to lead cross-functional teams and manage compl