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 Team Summary

　　Visa Consulting and Analytics (VCA) drives tangible, impactful and financial results for Visa’s network clients, including both financial services and merchants. Drawing on our expertise in strategy consulting, data analytics, brand management, marketing, operational and macroeconomics, Visa Consulting and Analytics solves the most strategic problems for our clients.

　　The India & South Asia (InSA) Consulting Market team within Visa Consulting & Analytics provides consulting and solution services for Visa’s largest issuers in India, Sri Lanka, Bangladesh, Nepal, Bhutan & Maldives. 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 VCA team provides a comprehensive range of consulting services to deliver solutions that address unique challenges in areas such as improving profitability, strategic growth, customer experience, digital payments and running risk.

　　You will join our consulting team and play a role in delivering and implementing high impact projects and solutions with client across the Payments Ecosystem which includes Issuers, Acquirers, Merchants, Fintechs etc. This person will develop initiatives to promote balanced and profitable growth, thereby ensuring that Visa is both, the preferred brand and outstanding business partner. This role is based in our Mumbai office and reporting into the Head of Risk Consulting Practice, India & South Asia.

　　What the Senior Manager Risk Consulting, Visa Consulting & Analytics does at Visa:

　　The Senior Manager Risk Consulting is responsible for delivering Risk advisory services to Visa’s clients (Issuers, Acquirers and Merchants) across Credit Risk and Fraud Risk. The Senior Manager will report into the Head of Risk Consulting Practice, VCA - India and South Asia (INSA) will contribute to the delivery of Credit and Fraud Risk advisory engagements. This individual will bring expertise in both the Credit and Fraud Risk functional domain gained as within a bank and/or a specialized consulting firm. We are looking for a motivated, analytically minded individual with a track record of using Risk expertise to unlock business value.

　　 Key responsibilities for the Senior Manager Risk Consulting:

　　Act as a domain expert in Risk, to inform business strategies across the product lifecycle (acquisition, underwriting, customer management, portfolio risk management)Lead the delivery of Credit and Fraud Risk advisory engagements across INSADevelop Risk advisory related knowledge and capabilities creating next generation risk engagement with Visa clientsPartner with in-market VCA consultants and data scientists to deliver risk-related advisory engagementsEstablish Intellectual Property (IP) risk repository for VCA by capitalizing on learnings from consulting engagements (e.g., build standard methods, create library of case studies, templatize modeling codes)Reengineer and/or package risk consulting methodologies and data driven solutions as appropriate, ensuring world-class best practices and efficiency through economies of scalePartner with other Visa functions (e.g., Risk, Products) to capitalize on existing risk products/solutions and co-design new ones leveraging Visa’s assets (expertise, data, capabilities)Share methodologies and best practices with other VCA regional teamsEnsure consistency, standards & quality control of Credit Risk methodologies in APProvide deep subject matter expertise and thought leadership by publishing articles and white papers  Why this is important to Visa

　　With a rapid change in the payment landscape, new regulations around Open banking and Open data and the emergence of new Fintech players – the payment ecosystem is rapidly evolving, and our clients are looking to Visa as the payment experts to help them navigate through the opportunities and challenges that these changes pose. Visa with its global reach and rich transaction data set is ideally positioned to assist issuer and acquirer solve their strategic business problems and drive growth. We are looking for an individual to join us as a Senior Manager Risk Consulting. This individual will support in expanding VCA consulting engagements with our Issuers and Acquirer to drive risk related advisory engagement.

　　Projects you will be a part of:

　　The nature of projects this role will play a key role in vary; this would include helping issuers and acquirers solve their most strategic business problems on credit Risk:

　　Risk strategy – Designing fit-for-purpose credit and fraud risk strategyRisk diagnostic - Identify opportunities to optimize risk managementLine Management - Optimize credit line based on usage propensity and risk profileUnderwriting - Increase underwriting approvals by leveraging alternate dataBalance Build - Build revolving balances to drive incremental lending economicsAuthorization Optimization - Define optimal authorization strategy with balanced risk control measuresSTIP Optimization - Define optimal STIP strategy with balanced risk control measuresFraud Strategy & Process Optimization - Enhance fraud risk management strategy with optimal detection performanceFraud Risk Prediction/Scoring - Development of statistical models based on client data to predict the likelihood of fraud occurrenceFraud Rule Optimization - On-behalf execution of fraud risk management for clients to optimize performance & enhance detectionsInnovation - Industry Insights, Thought Leadership, Strategic Risk Advisory, Solutions and PlaybooksEnterprise Fraud Framework & Strategy - Develop future state Fraud Strategy & Framework leveraging global best practicesAcquiring Risk - Merchant on-Boarding & Activation, Application Fraud Management Qualifications Specific skill set and experience required:

　　10+ years of relevant experience in Credit Cards Risk Management/Analytics either with issuing banks or a risk practitioner in a consulting FirmMaster's degree, ideally in a quantitative field (e.g., engineering, mathematics, science)Outstanding problem-solving skills, with demonstrated ability to think creatively and strategicallyImpeccable team player, able to gracefully work with and influence people at all levelsStrong financial acumen and understanding of profitability drivers of financial institutionsExcellent communication, storytelling and presentation skillsSelf-motivated, results oriented individual with the ability to handle numerous projects concurrentlyTechnology-driven mindset, digitally curious, up to date with digital and technology literature, trends Relevant experience shall include:

　　Curious, up to date with Indian payment landscape with a point of view on what & how of client priorities & problemsDomain expertise in Credit Risk life cycle practices, including customer acquisition, underwriting, line management, collections, risk-adjusted profitability, etc.Experience in fraud risk analytics or hands on experience with one or more data analytics/programming tools preferredDeep understanding of the consumer credit/fraud risk landscape in IndiaUnderstanding of risk regulation, compliance, and organizational implications (e.g., Basel)Expertise in Fraud Management (prevention, detection, response)Hands on experience of risk analytical modelsUnderstanding of the implications of digital transformation on risk management  

　　What will also help:

　　Direct relevant experience in consulting roles and or payment / technology firms

　　Additional Information 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.