Sr. Director, Consumer Credit & Loyalty

  • Mumbai, Maharashtra, in
  • Full-time

Company Description

As the world’s leader in digital payments technology, Visa’s mission is to connect the world through the most creative, reliable and secure payment network - enabling individuals, businesses, and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s dedication to innovation drives the rapid growth of connected commerce on any device, and fuels the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce.


At Visa, your individuality fits right in. Working here gives you an opportunity to impact the world, invest in your career growth, and be part of an inclusive and diverse workplace. We are a global team of disruptors, trailblazers, innovators and risk-takers who are helping drive economic growth in even the most remote parts of the world, creatively moving the industry forward, and doing meaningful work that brings financial literacy and digital commerce to millions of unbanked and underserved consumers.


You’re an Individual. We’re the team for you. Together, let’s transform the way the world pays.



Job Description

The Senior Director for Consumer Credit & Loyalty Products will be responsible for developing, managing and achieving the medium and long-term strategy for the consumer credit mass and affluent segments, in India & South Asia. The Sr. Director will also be responsible for commercialization of Visa's loyalty and data services and for delivering on thought leadership based on analytics led consumer insights. The Sr. Director will manage multiple concurrent project priorities and pilot client offerings to expand credit access and penetration in India. Furthermore, the role requires strong client-facing skills and collaborate with client relationship (CRM) team to support new product development, portfolio performance management, research and insights. The person in this role will require strong people and product management skills.



  • Develop and execute on the Consumer Credit and Loyalty solutions business for India and South Asia, deliver on the requisite financials such as gross revenue, cards in force (CIF), payments volume, x-border volume and transactions
  • Grow Visa's market leadership on Consumer Credit in India by supporting continued growth of Visa's key clients.
  • Develop and maintain detailed best practices, project plans, including detailed tasks and deliverables, resources required, timelines, dependencies and contingencies
  • Develop an annual operating plan of market initiatives in partnership with CRM team & Visa's clients to improve their portfolio metrics and maximize the impact of Visa's Consumer Credit product development and marketing investments each year
  • Partner with key business stakeholders within Visa to create programs that contribute competitive advantage and revenue growth to deliver the revenue plan for the South Asian markets
  • Collaborate with the Digital and Innovation teams, to define and develop a loyalty API-stack and proposition for India. Launch new card-linked-offers and digital experiences for Visa cardholders
  • Work with the CRM team in identifying high potential new clients to launch credit, loyalty and data services and provide product support from the initial pitch to their public launch and in the ongoing development of the business
  • Work closely with the Visa's Hub team in defining and developing strategies to build, and refresh product information content to support CRM and issuers to grow, manage and optimize Consumer Credit and loyalty solutions
  • Work with Bureaus and clients to envision, develop and pilot new range of data analytics products that support expansion of credit access to both existing-to-bank and new-to-bank customers
  • Review and advise on business requirement documents, value propositions, pricing, product positioning and distribution options with clients, third parties and internal Visa stakeholders
  • Participate in the formulation and achievement of the multi-year plan strategy
  • Deliver product knowledge, training and consumer insights through research and analytics for issuers to incorporate in their payment strategies
  • Identify regulatory and competitive changes in the market to establish timely strategies and counter-measures
  • Assist in assignments related to Operating Regulations and Guidelines such as preparation of proposals for policy changes, variances, regulatory research
  • Negotiate on behalf of Visa with merchants and Issuers; contracts related to partnerships, alliances, promotions, new concepts and product launches
  • Represent Visa at industry forums and public speaking engagements when required





Professional Experience

  • Minimum of 15 years of working experience with at least 8-10 years’ experience in the banking and payments industry, preferably in product management, portfolio and strategy. Experience in service industries such as telecom, retail and ecommerce will be an advantage
  • Sound knowledge of the payment cards industry is preferred
  • Prior experience with credit bureaus, data products and analysis is a plus
  • Understanding of digital trends and new age payment solutions is important
  • Master’s Degree in Business, Engineering or a related field
  • Experience in Project management, Product Design, Strategy, Planning & Program Implementation 
  • Experience in people management
  • Experience managing products with P&L/revenue responsibility. Strong understanding of consumer trends, product operations, business processes and revenue impact
  • Experience in sales and marketing is preferable
  • Good understanding of Visa Products and services is a plus
  • Experience of managing diverse geographies will be an advantage
Business and Technical Skills
  • Good client engagement and communication skills. Should be comfortable interacting with and presenting to senior management of clients, Visa and merchant partner
  • Superior negotiation abilities to drive value based partnerships; strong influencing and collaboration abilities
  • Good strategic thinking, creative problem solving and analytical skills
  • High level of personal integrity and ability to keep confidential information in secret is required as the candidate will have access to sensitive and confidential client information
  • Excellent analytical skills, strong business acumen and project management skills
  • Excellent written, verbal and presentation skills, coupled with demonstrated negotiation and business development skills as the candidate requires to interact with senior professionals in financial institutions, Visa and alliance partners
  • Strong appreciation of technology and trends to be able to demonstrate thought leadership
  • Self-motivated, results driven, flexible, customer focused. Should be a strong team-player
  • Ability and experience of work in a multi-cultural, fast-paced, and matrix environment  


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