Sr. Data Scientist US A2A Payments & Open Banking

Sr. Data Scientist US A2A Payments & Open Banking

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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.

Job Description

As a Sr. Data Scientist, you will report to the Sr. Director of Data Science & Machine Learning and partner with risk, engineering, and product teams to provide cutting-edge decision science for A2A payment risk. The right candidate will possess strong data science and machine learning skills, with demonstrated experience in building, training, implementing, and optimizing advanced ML models for payments.

The successful candidate will have experience in risk management for payments, preferably in open banking, and a solid understanding of both fraud and credit risk. They will be able to partner with product and engineering teams to scope solutions for real-time transaction decisioning. This role offers an exciting opportunity to contribute to a strategic offering for Visa. The candidate should be a self-starter, comfortable with ambiguity, detail-oriented, and collaborative.

Responsibilities

1. Be an out-of-the-box thinker passionate about innovative data use to manage risk in open banking.
2. Use predictive modeling and data from company databases and open banking sources to reduce payment losses and enhance customer experience.
3. Assess the effectiveness of new data sources and gathering techniques from external sources and the Visa network.
4. Extract data insights and develop visualizations to communicate complex analyses broadly.
5. Deeply understand fraud patterns and develop systematic detection methods.
6. Create processes and tools for monitoring model performance and data accuracy, including control groups and optimization techniques.
7. Partner with product and engineering teams to identify improvements reducing loss exposure and enhancing customer experience.
8. Support sales and account management with risk strategy insights for merchants.
9. Build strong stakeholder relationships to ensure execution excellence and alignment with Visa’s risk team.

This is a hybrid position. Days in office will be confirmed by your hiring manager.

Qualifications

Basic Qualifications

• 8+ years of relevant experience with a Bachelor’s degree, or 5+ years with an advanced degree (Masters, MBA, JD, MD), or 2+ years with a PhD.

Preferred Qualifications

• 9+ years of relevant experience with a Bachelor’s degree, or 7+ years with an advanced degree, or 3+ years with a PhD.
• Experience in payment risk management and open banking in North America, UK, or Europe, especially US experience.
• Proficiency in data mining, statistical modeling, and application to risk/use cases.
• High competence in SQL, Python, Spark/Scala, Unix/Linux scripting.
• Experience with Hadoop, Hive/Impala for big data processing.
• Ability to develop features from open banking, in-house, and third-party data for models.
• Experience with real-time graphical tools and complex networks modeling.
• Experience working with agile teams and tools like JIRA.
• Strong business acumen, data interpretation, and strategic insights.
• Collaborative, diplomatic, flexible, detail-oriented, and rigorous in analysis.

Additional Information

Visa is an EEO Employer. Qualified applicants will be considered regardless of race, color, religion, sex, national origin, sexual orientation, gender identity, disability, or veteran status. We consider qualified applicants with criminal histories in accordance with EEOC guidelines and local laws.