Director, VCA NA Risk Practice

Responsibilities Proactively engage Visa senior leaders in regular strategy, planning, and pipeline discussions, cultivating and managing a portfolio of Credit Risk opportunities across North America. Lead end‑to‑end credit risk consulting initiatives, contributing to origination and closing of engagements by identifying and shaping opportunities across all VCA segments, including consumer, commercial, small business, and fintech clients. Deliver and scale automated credit policy and decisioning solutions, including policy frameworks, model‑driven decision logic, model adjustment tools, and governance‑ready artifacts to support issuer underwriting and portfolio management needs. Partner closely with data science teams to deploy and interpret predictive models, model forecasts, and stress scenarios – translate analytical outputs into clear business decisions and actionable recommendations. Conduct credit maturity assessments across onboarding, underwriting, line management, and collections processes, identifying capability gaps and recommending industry best practices and target‑state operating models. Deliver and scale loss forecasting and mitigation solutions, including expected loss projections, scenario/stress analytics, and strategy recommendations to proactively reduce delinquencies and credit losses across the portfolio. Design and implement dashboards, scorecards, and KPIs to monitor credit risk performance, delinquency trends, early‑warning indicators, and overall portfolio health. Develop customer lifetime value (CLV) and portfolio economics models to inform acquisition, underwriting, pricing, and line management strategies, balancing growth, risk, and profitability. Build repeatable frameworks, methodologies, and solution architectures that address complex client challenges across issuers, acquirers, merchants, processors, and fintech partners. Reliably manipulate and analyze large‑scale datasets (Visa and industry sources) to generate meaningful insights, validate hypotheses, and support data‑driven decision‑making. Collaborate cross‑functionally with Product, Engineering, Risk Governance, Legal, Compliance, and Sales teams to ensure solutions are scalable, regulatory‑compliant, and aligned to Visa's risk and data standards. Drive innovative risk strategies by leveraging alternative data and AI. Incumbents applying for the role should be self‑motivated, highly energized detail‑oriented individuals who will deliver strategic thought leadership, problem diagnostics, and high‑impact solutions to clients supporting the growth and performance. Candidates must be able to develop enduring, strategic relationships with internal and external clients and across the Visa organization. Qualifications Basic Qualifications 10 or more years of work experience with a Bachelor's Degree or at least 8 years of work experience with an Advanced Degree (e.g., Masters, MBA, JD, MD) or at least 3 years of work experience with a PhD. Preferred Qualifications 12 or more years of work experience with a Bachelor's Degree or 8-10 years of experience with an Advanced Degree (e.g., Masters, MBA, JD, MD) or 6+ years of work experience with a PhD. 10-12 years of experience with a bachelor's degree or 8 years of experience with an Advanced Degree (e.g., Masters, MBA, or PhD). 8-10 years of relevant experience managing credit risk in financial institutions or large management consulting firms. Proven experience in credit risk management, consulting frameworks, and credit lifecycle optimization. Strong analytical skills with demonstrated intellectual and analytical complexity. Familiarity with regulatory compliance, and risk governance policies. Knowledge and understanding of banking operations and/or payment schemes, including products & services, business systems and processes, marketing initiatives and card acquiring/issuing experience. Ability to lead cross‑functional teams and manage complex projects in dynamic environments. Experience working with credit risk indicators to measure business performance. Significant focus on impacting ROI. Self‑motivated, results‑oriented individual with the ability to handle numerous projects concurrently. Excellent communication, storytelling and presentation skills. People‑first mindset, team player, experience mentoring junior‑level individuals. Collaborative, flexible, and able to work effectively in a matrixed organization. Technologically savvy, curious, up to date with AI, digital trends, and applications. Hybrid Position This is a hybrid position. Expected days in the office will be confirmed by your Hiring Manager. Visa requires at least 3 days in the office each week. U.S. Applicants Only The estimated salary range for this position is $151,600 to $285,600 USD per year, which may include potential sales incentive payments (if applicable). Salary may vary depending on job‑related factors including 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, including Medical, Dental, Vision, 401(k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program. 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, and 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 the EEOC guidelines and applicable local law, including the requirements of Article 49 of the San Francisco Police Code. #J-18808-Ljbffr Visa