Senior Manager, Backend Product Management

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. Visa will accept applications for this role until at least 07-26-2026 Job Description Lead execution across the full acquiring lifecycle within Visa Acceptance , focusing on financial processing accuracy, scalability, and lifecycle completeness. This is a hands-on role responsible for executing backend platform capabilities across the full acquiring lifecycle. The role owns the system of record for clearing, settlement, funding, pricing, disputes, and risk integration, ensuring financial correctness and operational integrity across the platform. Responsibilities: Own execution of the end-to-end acquiring lifecycle: boarding → capture → clearing → settlement → funding → reporting Define and deliver detailed product requirements, APIs, and data models for transaction lifecycle and financial processing Own settlement and funding logic including interchange, fee calculation, net/gross settlement, and adjustments Drive reconciliation workflows ensuring consistency between transaction processing, settlement outputs, and reporting Define and validate interchange qualification logic, pricing constructs, and funding behaviors across lifecycle Partner closely with engineering on system design, architecture, and delivery of scalable platform services Identify and resolve financial discrepancies, lifecycle gaps, and data inconsistencies Collaborate with Risk, Finance, and Operations teams to ensure compliance and operational readiness Enable scalable, standardized capabilities to support multi-acquirer and multi-region deployment Use 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. Qualifications Basic Qualifications: 8 or more years of relevant work experience with a Bachelor Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD Preferred Qualifications: 9 or more years of relevant work experience with a Bachelor Degree or 7 or more relevant years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3 or more years of experience with a PhD 10+ years of experience in payments or financial platform product/program roles Deep expertise in acquiring, clearing & settlement, funding, and reconciliation Deep understanding of interchange qualification, merchant pricing hierarchies, and settlement funding methods Strong experience defining APIs, financial data models, and transaction lifecycle workflows Experience with settlement engines, ledger/accounting systems, or financial platforms Experience working with global card schemes (e.g., Visa, Mastercard) Experience in multi-region acquiring platforms or partner-integrated environments Core Competencies: Communication: Excellent written and verbal communication skills engaging both technical and non-technical global audiences Metrics & Impact Driven: Ability to translate customer needs into measurable business outcomes Self-Starter: Highly autonomous and proactive in driving execution in ambiguous environments Technical Depth: Strong systems thinking with ability to work with APIs, data, SQL, and engage with senior engineering leaders Team Player: Collaborative mindset with a passion for working across diverse teams and sharing knowledge U.S. Applicants Only The estimated salary range for this position is $152,200 to $270,800 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. If you thrive on rapid growth and enjoy working alongside positive, driven teammates, you’ll feel right at home here. Help us to uplift everyone, everywhere. Whether you’re starting your career, pushing your capabilities or are a seasoned professional, learn how we can partner to reimagine the world. Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match. At Visa, we are driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid. Our evolving technology keeps us at the heart of the digital economy, connecting people to 80+ million businesses worldwide. Backed by a resilient, proven model, our expanding network fuels growth—for Visa and for your career. Your journey starts here — discover how we hire Ready to take the next step? Learn more about life at Visa, explore our hiring process and get first-hand insights by hearing directly from our recruiters about what to expect. Apply with confidence today! Learn our recruiting process