Director, Backend Product Management

About UsVisa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you.Visa will accept applications for this role until at least 09-21-2026Job DescriptionRole SummaryLead product strategy and execution across the full acquiring lifecycle within Visa Acceptance, with accountability for financial processing accuracy, platform scalability, lifecycle completeness, and cross-functional alignment.Job DescriptionThis Director-level role is responsible for setting product direction and driving delivery of backend platform capabilities across the full acquiring lifecycle. The role owns the product strategy for the system of record supporting clearing, settlement, funding, pricing, disputes, and risk integration, ensuring financial correctness, operational integrity, and scalable global adoption across the platform.ResponsibilitiesSet product direction for the end-to-end acquiring lifecycle: boarding capture clearing settlement funding reportingLead prioritization and execution of product requirements, APIs, and data models for transaction lifecycle and financial processingOwn settlement and funding capabilities including interchange, fee calculation, net/gross settlement, adjustments, and exception handlingDrive reconciliation and financial control workflows to ensure consistency between transaction processing, settlement outputs, and reportingDefine product strategy for interchange qualification, pricing constructs, and funding behaviors across the lifecyclePartner with senior engineering, architecture, operations, finance, risk, and regional teams to deliver scalable platform servicesIdentify lifecycle gaps, financial discrepancies, and data inconsistencies, and drive resolution through product, technology, and operational improvementsInfluence cross-functional stakeholders and executive partners to align roadmap priorities, delivery tradeoffs, and platform adoption decisionsEnable standardized capabilities that support multi-acquirer, multi-region, and partner-integrated deployment modelsUse AI/ML, copilots, and agentic tools to accelerate discovery, synthesize requirements, inspect data patterns, summarize operational issues, draft product artifacts, and improve day-to-day execution while maintaining human review and governance. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.QualificationsBasic Qualifications10 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 PhDPreferred Qualifications12 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 PhDCommunication & Influence: Excellent written and verbal communication skills with the ability to engage executive, technical, and non-technical global audiencesMetrics & Impact Driven: Ability to translate customer needs, platform priorities, and operational risks into measurable business outcomesLeadership: Highly accountable, autonomous, and effective at driving clarity, prioritization, and execution in ambiguous environmentsTechnical Depth: Strong systems thinking with ability to engage deeply on APIs, data, SQL, architecture, and platform design with senior engineering leadersCollaboration: Strong cross-functional leadership with a passion for building trusted partnerships, developing talent, and sharing knowledge across teamsExperience with settlement engines, ledger/accounting systems, financial platforms, or systems of record supporting regulated financial operationExperience working with global card schemes (e.g., Visa, Mastercard)Experience in multi-region acquiring platforms or partner-integrated environmentsExperience leading product managers or cross-functional delivery teams across multiple technology workstreams12+ years of experience in payments, financial technology, or platform product roles, including experience leading complex product initiativesDeep expertise in acquiring, clearing & settlement, funding, reconciliation, and financial platform operationsProven ability to define product strategy for interchange qualification, merchant pricing hierarchies, settlement funding methods, and lifecycle financial controlsStrong experience leading requirements, APIs, financial data models, and transaction lifecycle workflows in partnership with senior technology teamsDemonstrated ability to influence senior stakeholders, align cross-functional teams, and drive roadmap decisions in ambiguous environments.Information for US ApplicantsFor roles located in the US, the estimated salary range for this position is $173,100 to $307,600 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.Work HoursVaries upon the needs of the department.Travel RequirementsThis position requires travel 5-10% of the time.Mental/Physical RequirementsThis 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 EmployerQualified applicants will receive consideration for employment without regard to race, color religion, sex, national origin, sexual orientation, gender identity, disability or protect 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.SummaryLocation: US - Foster City, CA; US - Austin, TXType: Full time