Applications Program Analyst

About Us
Visa 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.

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 seeking aversatile, curious, and impactdriven Applications Program Analyst who thrives at the intersection of AI, distributed systems, and largescale customer impact solving complex challenges on a global scale. In this role, you will be an integral part of a multi-functional development team leading the execution of nextgeneration AIpowered solutions, partnering closely with engineering, data science, design, security, and business stakeholders. You will steward development from ideation to scaled deployment, guiding teams to build intelligent, resilient, and trustworthy systems that serve Visa's global network. While building components of powerful payment technology, you will get to see your efforts shaping the digital future of monetary transactions.

The Work itself:

• Lead the experimentation pipeline , evaluating new technologies, model types, LLMbased features, and platform capabilities-and guiding teams through proofofconcepts, pilots, and scaled launches.
• Shape Visa's nextgeneration AI ecosystem , leveraging cloudnative and modern AI/ML technologies to build robust, privacypreserving, and globally scalable services.
• Implement innovations for AInative capabilities that touch 40% of the world's population, setting new standards for scalability, security, explainability, and reusability.
• Translate complex business challenges into clear engineering roadmaps , user requirements, and technical specifications that enable breakthrough innovation across payment flows, fraud intelligence, data products, and realtime commerce platforms.
• Drive crossfunctional collaboration , ensuring model developers, platform engineers, UX teams, and product partners align on architecture, capabilities, and success metrics.
• Champion product quality and operational resilience , identifying systemic patterns across data, model performance, bugs, and user friction-and driving durable solutions.
• Enable global impact , mentoring teams, developing best practices, and contributing to internal learning programs to elevate Visa's AI maturity and experimentation culture.

Essential Functions:

• Write code to fulfill ideation of technical requirements to create functional prototypes byapplying one of general programming languages (e.g. Python, NodeJS, Java)
• Provide technical leadership across AI, data platforms, and largescale distributed systems - directing strategy for how requirements are collected, evaluated, and transform into decisive product direction to guide product engineers .
• Lead structured discovery with product, engineering, and business stakeholders torecommend architectures, model integration patterns, and scalable design strategies.
• Establish and maintain standards for responsible AI , including data quality, model testing, explainability, observability, and endtoend governance.
• Lead planning and implementation for new AI capabilities and intelligent features , ensuring seamless integration into Visa's global platforms and customer experiences.
• Analyze customer signals , performance patterns, and model behavior to implement systemic improvements and longterm product enhancements .
• Demonstrates 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.
• Collaborates with others to support the piloting of new technology capabilities and features that enhance the user experience across e-commerce products.
• Analyzes bugs for issues and applies debugging tools to verify assumptions .

The Skills You Bring :

• Language Expertise : Expertise in one or more general development languages (e.g., Python, NodeJS, Java, C#, C++)
• 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
• 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.

Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

Basic Qualifications * 5 or more years of relevant work experience with a bachelor's degree in Computer Science. * Self-driven and willing to work across technologies/languages. * Expert-level skills in Python and/or NodeJS with skills in Java or C/C++ is a bonus. * Experience in building Generative AI applications, conversational AI, RAG and Multi-Agentic architectures, techniques and libraries. * In-depth understanding of NLP including tokenization, word embeddings, and basic sequence models. * Ability to design and implement AI components and integrate them into larger systems. * Familiarity with common robustness issues in AI systems. * Familiarity with deep learning basics, including neural network architectures and training procedures. * Proficiency in front-end web development technologies like ReactJS/Angular/NodeJS. * Demonstrated proficiency in troubleshooting, root-cause analysis, application design, and implementing large components for enterprise projects. Preferred Qualifications * 2 years or more with an Advanced Degree (Masters/PhD in Computer Science) * Proficiency in implementing and fine-tuning AI models using popular frameworks (e.g., TensorFlow, PyTorch, scikit-learn) * Exposure to leading-edge areas such as Machine Learning, Deep Learning, Stream Computing and MLOps. * Ability to work with large datasets and perform exploratory data analysis. * Experience with data preprocessing, feature engineering, and model evaluation techniques * Understanding enterprise security, certificate management, etc. * Hands-on experience with Jenkins and container deployment architecture. * Experience using OAuth2.0, SSO, and authentication methods/protocols. * Expertise in application security, SSDLC, and knowledge of cryptography fundamentals. * Experience in the payments tech industry is a plus.

U.S. Applicants Only

The estimated salary range for this positionis $123,000.00 to $ 190,900.00 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.

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 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.