Sr. SW Engineer

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’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.

The Opportunity:  

We are looking for Versatile, curious, and energetic Software Engineers who embrace solving complex challenges on a global scale. As a Visa Software Engineer, you will be an integral part of a multi-functional development team inventing, designing, building, and testing software products that reach a truly global customer base. While building components of powerful payment technology, you will get to see your efforts shaping the digital future of monetary transactions.

The Work itself:  

• Design code and systems that touch 40% of the world population while influencing Visa’s internal standards for scalability, security, and reusability 
• Collaborate multi-functionally to create design artifacts and develop best-in-class software solutions for multiple Visa technical offerings 
• Actively contribute to product quality improvements, valuable service technology, and new business flows in diverse agile squads 
• Develop robust and scalable products intended for a myriad of customers including end-user merchants, b2b, and business to government solutions. 
• Leverage innovative technologies to build the next generation of Payment Services, Transaction Platforms, Real-Time Payments, and Buy Now Pay Later Technology 
• Opportunities to make a difference on a global or local scale through mentorship and continued learning opportunities 

Essential Functions:

• Demonstrates relevant technical working knowledge to understand requirements.
• Identifies and contributes to the development and solution strategies to team members that improve the design and functionality of interface features across one or more project features, under minimal guidance.
• Applies standard processes on the use of programming languages (e.g. HTML, C++, Java) to write code that fulfills website modification requests and technical requirements. 
• Collaborates with others to support the piloting of new technology capabilities and features that enhance the user website experience across e-commerce products.
• Analyzes bugs for simple issues and applies debugging tools to verify assumptions.

The Skills You Bring :

• Energy and Experience : A growth mindset that is curious and passionate about technologies and enjoys challenging projects on a global scale
• Challenge the Status Quo : Comfort in pushing the boundaries, ‘hacking’ beyond traditional solutions
• Language Expertise : Expertise in one or more general development languages (e.g., Java, C#, C++)
• Builder : Experience building and deploying modern services and web applications with quality and scalability
• Learner : Constant drive to learn new technologies such as Angular, React, Kubernetes, Docker, etc.
• Partnership : Experience collaborating with Product, Test, Dev-ops, and Agile/Scrum teams

**We do not expect that any single candidate would fulfill all of these characteristics. For instance, we have exciting team members who are really focused on building scalable systems but didn’t work with payments technology or web applications before joining Visa

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

Qualifications

Basic Qualifications

• 2+ years of relevant work experience and a Bachelors degree, OR 5+ years of relevant work experience

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)

• 2+ years of experience building and pushing code into production.

• 2+ Experience with building backend services and APIs, including integration with distributed data systems and cloud-native architectures.

• 1+ years of hands-on experience with GenAI technologies — including LLMs, prompt engineering, embeddings, fine-tuning, or building RAG (Retrieval-Augmented Generation) and AI agents or agentic pipelines.

• Strong software engineering background with experience in Python, PyTorch, TensorFlow, or JAX.

• Hands-on experience with LLMs (e.g., GPT, Claude, Mistral), vector databases (e.g., FAISS, Pinecone), and orchestration tools (e.g., LangChain, LangGraph, Autogen).

• Deep expertise in modern backend architectures, including cloud-native development (e.g., AWS, GCP, Azure), containerization (Docker/Kubernetes), and distributed systems.

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 ONLY: The estimated salary range for a new hire into this position is 105,800.00 to 149,550.00 USD per year, which may include potential sales incentive payments (if applicable). Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity. Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401 (k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.