Job Description

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.

Team Summary:
Visa Consulting & Analytics (VCA) is Visa's client-facing consulting division, serving Visa's clients (including card issuers, acquirers and merchants) and solving their strategic problems linked to money movement. Drawing on our expertise in strategy consulting, payments, data analytics, marketing, operational and macroeconomics, VCA drives high impact and tangible financial results. In Asia Pacific (AP), VCA has two types of teams - (1) Geo team, focused on serving the accounts in their geography and (2) Practice Area teams, focused on providing and deepening expertise in functional topics such as risk, digital, corporate banking, AI, etc.
What A Consulting Sr. Manager - Credit Risk, Asia Pacific does at VISA:
The VCA Credit Risk Advisory team is responsible for delivering advisory services to Visa's clients across Credit Risk and Portfolio Optimization areas. The Senior Manager Credit Risk individual will bring expertise in both the Credit Risk functional domain and in risk analytics gained as Risk practitioner within a bank and/or a specialized risk consulting firm. We are looking for a motivated, analytically minded individual with a track record of using Risk expertise to unlock business value.
As a Sr. Manager, you will play a pivotal role in developing and expanding our Credit Risk consulting services across the Asia Pacific region, focusing on key priority areas that will grow both Visa's and the client's business. One of the key priority areas will be issuer portfolio optimization. Potential projects include optimization of the client's processes around cards acquisition, underwriting, portfolio management and collections, development of risk models and their use for decisioning across the credit lifecycle, etc.
Key responsibilities for the Senior Manager Credit Risk include:

• Contribute to the delivery of Credit Risk advisory engagements across Asia Pacific
• Collaborating with the client's team (both internal and external) to understand the business problem and desired business outcome
• Business Development: Prepare client proposals and project plans, identifying dependencies, roles and responsibilities, scope, and deliverables.
• End-to-end delivery of multiple projects within timelines, scope and budget requirements
• Ensuring all project documentation is up to date and maintain the highest levels of quality in deliverables
• Support the development and maintenance of consistency, standards and quality control of Credit Risk consulting methodologies, ensuring world-class best practices and efficiency through economies of scale.
• Thought Leadership, Practice, and Solution Development: Create consulting practice materials such as set-plays, pitch decks, whitepapers and other assets following best practices and the latest IP that Visa's market teams can use to scale reach and impact.

Why is this important to VISA:
With a rapid change in the payment landscape, new regulations around open banking and the emergence of new Fintech players and AI technologies - the payment ecosystem is rapidly evolving, and our clients are looking to Visa as the payment experts to help them navigate through the opportunities and challenges that these changes pose. Visa with its global reach and rich transaction data set is ideally positioned to assist banks and merchants solve their strategic business problems and drive growth. As a Senior Manager, you will contribute to expanding VCA consulting engagements with our clients to drive new revenue streams.
Qualifications
What you will need:

• Candidate with 10+ years of risk experience in banking / consumer lending industry preferred.
• Graduate / Post Graduate degree (Masters or Ph.D.) in Quantitative field such as Statistics, Mathematics, Computer Science, Economics, or equivalent experience preferred.
• Domain expertise in Credit Risk Management. Deep understanding of the credit risk industry, key players, regulatory framework and credit risk management best practices.
• Understanding of the credit risk models development approach, decisioning strategy definition and implementation, operational and regulatory reporting.
• Understanding of the consumer Credit risk landscape in AP preferred.
• Self-motivated, results oriented with strong analytical and problem-solving skills, with demonstrated ability to think creatively and strategically
• Excellent communication, storytelling and presentation skills.
• Detailed oriented, the candidate is expected to ensure the highest level of quality/rigor in deliverables, reports & data analysis.
• Proven skills in translating analytics output to actionable recommendations. Experience in presenting ideas and analysis to stakeholders with the ability to tailor data driven results to various audience levels. Expert proficiency in power point and excel.
• Team player with collaborative, diplomatic, and flexible style, able to work across cultures. Individual, that upholds and promotes the highest ethical standards and mutual respect in the workplace.
• Exhibit intellectual curiosity and strive to continually learn.

What will also help:

• Strong financial acumen and understanding of profitability drivers of financial institutions
• Proficiency in some of the following statistical techniques: Linear and Logistic Regression, Decision Trees, Random Forests, Markov Chains, Support Vector Machines, Neural Networks, Clustering, Principal Component Analysis, Factor analysis etc.

Additional Information
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.