Sr. Product Manager

Visa; Foster City (CA); Hybrid; USD 181,000 - 289,000; Full time

Job summary

Visa is seeking a Senior Product Manager for Global Token Products to own end-to-end PM for a portfolio within Visa Token Service (VTS). You will drive strategy, requirements, and delivery, partnering with engineering, analytics, design, legal, and commercial teams across a global matrixed organization.

The role balances regional and global opportunities, guiding roadmaps, consumer experience, and performance metrics while advancing token-native products across new wallet forms and emerging

Qualifications

• 8+ years of relevant work experience with a Bachelor's Degree or at least 5 years of experience with an Advanced Degree (e.g., Master's, MBA, JD, MD) or 2 years of work experience with a PhD.
• Experience owning product management end-to-end — strategy, requirements, and delivery — ideally in payments, fintech, or token/credential technology.
• Familiarity with digital wallets, credential/identity standards (e.g., EMV tokenization) or emerging payment models (e.g., agentic commerce).
• Strong analytical skills and ability to translate data into clear, actionable recommendations.

Responsibilities

• Own product strategy and roadmap for growing tokenized commerce adoption globally.
• Drive workstreams with strategic accounts to close provisioning, adoption, and performance gaps.
• Define and launch new product frameworks and compliance mechanisms for partners.
• Partner with engineering and data teams to improve authorization and provisioning success rates.
• Build and maintain evidence of performance impact to support commercial efforts.

Skills

Product strategy

Roadmap ownership

Stakeholder management

Cross-functional collaboration

Analytical skills

Communication

Generative AI tools

Education

Bachelor's degree

Advanced degree

Job description

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.

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 11-27-2026

Job Description

The Senior Product Manager, Global Token Products will own end-to-end product management for a portfolio of initiatives within Visa Token Service (VTS) — spanning strategy, prioritization, requirements, and delivery — with primary focus on two outcomes: (1) accelerating the growth of tokenized commerce globally by closing adoption and performance evolutions with strategic partners, and (2) defining and building the next generation of token-native products that secure Visa's role in emerging payment experiences and moments of choice, including new wallet form factors, autonomous/agentic commerce, and evolving credential standards. This PM will also extend, drive and support other priorities across the broader Token Products roadmap as needed.

This is a seasoned product manager role with full ownership of specific product workstreams, roadmaps and cross-cutting initiatives. It is well suited to a PM who wants to drive outcomes end-to-end: from market and landscape assessment and business case development, through requirements and roadmap definition, to consumer experience definition, technical delivery, launch, and performance measurement — in close partnership with engineering, architecture, analytics, design, legal/compliance, and commercial teams across a highly matrixed global organization.

This role is global and will need to balance regional and global opportunities to achieve overall solution and platform objectives. Accomplishing this will require ability to drive prioritization decisions, collaborate cross-functionally and influence a complex and highly matrixed organization and provide leadership and clear vision to direct and indirect teams.

Key Responsibilities And Role Expectations

• Own product strategy and roadmap for growing tokenized commerce adoption globally, identifying and prioritizing the partners, segments, and markets with the greatest impact on token growth.
• Drive workstreams that grow global token penetration, partnering directly with named strategic accounts — issuers, acquirers, wallets, and large merchants — to close provisioning, adoption, and performance gaps.
• Define and launch new product frameworks, incentive structures, or compliance mechanisms that improve performance for smaller and long-tail partners, owning the work from business case through requirements, launch, and partner enablement.
• Partner with engineering and data teams to identify and deliver technical improvements that measurably lift authorization and provisioning success rates.
• Build and maintain the performance evidence base (authorization lift, fraud reduction, adoption impact) and translate it into partner-specific business cases that help commercial teams win new business and justify continued investment.
• Own the end-to-end product lifecycle for next-generation, token-native product bets — from opportunity landscaping and architecture alignment, through requirements, build, and pilot launch with partners.
• Partner with architecture, engineering and other product teams to establish repeatable frameworks and decision criteria that ensure other Visa product teams evaluate and build on top of the token platform.
• Drive credential and identity specification work needed to secure Visa's token as the trusted, default payment mechanism across new wallet and device form factors, partnering directly with external wallet and platform partners.
• Build and apply a structured evaluation framework to assess, prioritize, and advance long-horizon, emerging payment bets — e.g., new settlement models, autonomous/agentic commerce — from early concept into funded delivery.
• Translate market trends, competitive intelligence, and partner feedback into clear product requirements, epics, and acceptance criteria; own backlog prioritization in partnership with engineering.
• Lead cross-functional execution across Product Strategy, Platform Products, Architecture, Analytics, Legal/Compliance, Client Services, and Operations/network partners to ship on time, on budget, and at quality.
• Contribute to business cases, investment recommendations, and go‑to‑market plans; support commercialization and partner enablement at launch.
• Monitor and report on product and initiative performance using data‑driven insight, and iterate on roadmap and execution based on results.
• Apply AI‑powered and agentic product development tools and practices to accelerate delivery and improve quality and consistency.

Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Basic Qualifications

• 8 or more years of relevant work experience with a Bachelor's Degree or at least 5 years of experience with an Advanced Degree (e.g., Master's, 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's Degree or 7 or more relevant years of experience with an Advanced Degree (e.g., Master's, MBA, JD, MD) or 3 or more years of experience with a PhD.
• Proven experience owning product management end‑to‑end — strategy, requirements, and delivery — ideally in payments, fintech, or token/credential technology
• Deep understanding of the four‑party payment ecosystem, the token lifecycle (provisioning, authorization, routing, lifecycle management), and card network economics
• Experience applying extremely agile and agentic delivery principles across design, development, testing, and delivery; comfortable writing epics, user stories, and acceptance criteria, and continuously prioritizing a backlog with engineering partners
• Experience building and presenting business cases, roadmaps, and go‑to‑market plans to senior stakeholders
• Experience partnering directly with external partners — issuers, acquirers, wallets, merchants — to drive adoption and resolve integration or performance gaps
• Familiarity with digital wallets, credential/identity standards (e.g., EMV tokenization, verifiable credentials), or emerging payment models (e.g., agentic commerce, stablecoins) is required
• Strong analytical skills and sound business judgment; able to translate data into clear, actionable recommendations
• Excellent communicator and collaborator, able to influence stakeholders and drive execution across a complex, matrixed global organization
• Digital fluency, including comfort using Generative AI tools (e.g., ChatGPT, Claude Code, VS Code, GitHub Copilot) to support everyday work

Information for US Applicants

For roles located in the US, the estimated salary range for this position is $180,600.00 to $ 289,300.00 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.