Visa is a world leader in digital payments, facilitating more than 215 billion payments transactions between consumers, merchants, financial institutions and government entities across 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.
When you join Visa, you join a culture of purpose and belonging where your growth is priority, your identity is embraced, and the work you do matters. We believe that economies that include everyone everywhere, uplift everyone everywhere. Your work will have a direct impact on billions of people around the world helping unlock financial access to enable the future of money movement.
Join Visa: A Network Working for Everyone.
Job Description
Senior Manager Risk, Visa Consulting and Analytics Sub Saharan Africa
Visa Consulting and Analytics (VCA), the consulting arm of Visa, is a global team of industry experts in strategy, marketing, operations, risk, and economics consulting, with decades of experience in the payments industry.
Our VCA teams offer:
- Consulting services customized to the needs of Visa clients business objectives and strategy
- Business and economic insights and perspectives that impact business and investment decisions
- Self-service digital solutions Visa clients can leverage to improve performance in product, marketing, risk, and operations
- Proven data-driven marketing strategies to increase clients ROI
- Our mission is to connect the world through the most innovative, reliable, and secure digital payment network that enables individuals, businesses, and economies to thrive.
- Individuality fuels our brand and our global team were proud that we are a talented team of individuals with unique backgrounds, perspectives, and experiences. Therefore, we understand that you are much more than your day job. We encourage quality of life outside of the office, whether its taking advantage of agile work schedules or our wellness programs, Visa respects and encourages meaningful work/life balance for everyone. In addition, we offer market leading salary and have a fantastic benefit offering.
- So, if youre not satisfied with the status quo, we can satisfy your desire to explore new territory, giving you the runway to really make an impact, whilst connecting you with teams around the world in a truly inclusive culture that celebrates our uniqueness.
- If you think you could support Visa as a Senior Manager, we want to hear from you together, lets make Visa a great place to work.
You will:
- Deliver engagements in Authorization, Fraud and Credit Risk to inform business strategies across the credit lifecycle (acquisition, underwriting, customer management, portfolio risk management)
- Deliver engagements in Risk Analytics (Credit Scoring for Consumer & SME Underwriting, Credit Scoring for Merchant Underwriting, Fraud Risk Scoring, Risk Based Pricing, Alternate Credit Scoring)
- Develop trusted advisor relationships with Risk Managers/Heads at Visas client organizations
- Participate in designing and roll-outing Risk advisory services and data driven solutions for Visas clients
- Partner with in-market VCA consultants and data scientists to deliver risk-related advisory engagements
- Reengineer and/or package risk consulting methodologies and data driven solutions as appropriate, ensuring world-class best practices and efficiency through economies of scale
- Ensure consistency, standards, and quality control of risk consulting methodologies in Sub Saharan Africa
- Partner with other Visa functions (e.g. Risk, Products & Solutions, Client Services, CyberSource) to capitalize and optimize existing risk products and solutions
The nature of projects this Senior Manager Risk role will include helping issuers and acquirers solve their most strategic business problems from a risk perspective:
- Credit Risk:
- Risk diagnostic Identify opportunities to optimize credit risk management
- Credit Line Management Optimize credit line based on usage propensity and risk profile
- Underwriting Increase underwriting approvals by leveraging internal credit scoring, credit bureaus and alternate credit data
- Balance Build Build revolving balances to drive incremental lending economics through pricing optimization and cross sell opportunities
- Fraud Risk:
- Fraud Risk Advisory Provide support to our clients on reviewing their fraud strategy, enhance capabilities and optimizing monitoring rules
- Cybersecurity Assessment Provide support to our clients to identify vulnerability and prevent potential cybersecurity attacks
Qualifications
What we're after:
- At least 8+ of solid credit risk, fraud and authorizations, and analytics experience in the following areas: underwriting / acquisition, portfolio management, and collections and recoveries.
- Experience within a top-tier bank or the financial services practice of a top-tier consulting firm. A combination of regional and global experience strongly desired.
- Deep consulting skills and client engagement capabilities. Advanced client contact and presentation skills. Credibility with clients and working teams and diplomatic skills to extract desired outcomes. Comfortable interacting with and presenting to senior management of clients and Visa.
- A proven ability to thrive in high pressure situations and a fast paced and matrixed environment
- Excellent spoken and written command of English and excellent presentation and communication skills (written and verbal) with an ability to comprehend and convey complex business information
- Broad networking across banking industry with knowledge on retail banking and card-based payments.
- Deep analytical and quantitative skills - highly proficient in PowerPoint, Word, and Excel. Experience in using agile methods (i.e. Design Thinking, Lean-Start-up, Scrum) would be an advantage
- Willingness to travel and work onsite with clients if needed
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.
