Director, Backend Platform – Payments & Settlement

PowerToFly; Foster City (CA); Hybrid; USD 173,000 - 308,000; Full time

Job summary

Visa is seeking a Director-level Product leader to drive the strategy and execution across the full acquiring lifecycle. You will own the system of record for clearing, settlement, funding, pricing, disputes, and risk integration, ensuring financial accuracy and scalable global adoption.

Role requires guiding cross-functional teams, partnering with engineering, operations, and finance, and using AI/ML tools to accelerate discovery and delivery while maintaining governance.

Qualifications

• 10+ years of experience with a Bachelor's degree or 8+ years with an Advanced Degree, or 3+ years with a PhD
• Experience with settlement engines, ledger/accounting systems, or financial platforms
• Experience with global card schemes and multi-region acquiring platforms
• Strong communication and influence across executive and technical audiences
• Leadership of product managers or cross-functional delivery teams across multiple technology workstreams

Responsibilities

• Set product direction for end-to-end acquiring lifecycle: boarding → capture → clearing → settlement → funding → reporting
• Lead prioritization and execution of product requirements, APIs, and data models for transaction lifecycle and financial processing
• Own settlement and funding capabilities including interchange, fee calculation, net/gross settlement, adjustments, and exception handling
• Drive reconciliation and financial control workflows to ensure consistency between transaction processing, settlement outputs, and reporting
• Define product strategy for interchange qualification, pricing constructs, and funding behaviors across the lifecycle
• Partner with senior engineering, architecture, operations, finance, risk, and regional teams to deliver scalable platform services
• Identify lifecycle gaps, financial discrepancies, and data inconsistencies, and drive resolution through product, technology, and operational improvements
• Influence cross-functional stakeholders and executive partners to align roadmap priorities, delivery tradeoffs, and platform adoption decisions
• Enable standardized capabilities that support multi-acquirer, multi-region, and partner-integrated deployment models
• 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.

Skills

Executive communication

Cross-functional leadership

Strategic thinking

Influence stakeholders

Financial acumen

Education

Bachelor's degree

Advanced degree (MBA/JD/MD)

PhD

Tools

SQL

APIs

Data modeling

Job description

Visa is seeking a Director-level Product leader to drive the strategy and execution across the full acquiring lifecycle. You will own the system of record for clearing, settlement, funding, pricing, disputes, and risk integration, ensuring financial accuracy and scalable global adoption.

Role requires guiding cross-functional teams, partnering with engineering, operations, and finance, and using AI/ML tools to accelerate discovery and delivery while maintaining governance.