Director Risk Data Science

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.

The Director of Risk Data Science is one of the risk roles in the Central Europe, Middle East and Africa (CEMEA) Data Science risk team.  We are seeking an innovative and analytical thinker to champion our data-driven strategies within the region. As a Data Science Director, you will participate in building predictive and prescriptive models, and develop context-based prototypes and high-impact storyboards that promote data-driven strategies and solutions for Visa clients. The position will primarily focus on engagements in the area of credit, fraud and operational risks, deep risk analytics, risk scoring as well as forecasting solutions.

Principal Responsibilities

• Work entails heavy focus on developing and implementing best-in-class risk analytic solutions, inclusive of scoring and non-scoring models. Create and deliver powerful insights from data through better visualization and storyboarding

• Work with a broader team that consists of Business Managers, Consultants and Data Scientists from both Visa and client organisations to strategise, co-create, deploy and reap the benefits of data-driven solutions

• Work with regional and global Data Science teams to develop high-quality analytic products and solutions that promote Visas growth  in the region

• Keep Visa at the forefront of technological advancement in Data Science by introducing cutting-edge tools and techniques for generating business insights

• Ability to quickly understand and process alternate/non-conventional data sources/platforms and develop AI based advanced prediction algorithms

• Develop next-generation analytic methods where existing tools and techniques are inadequate to address business challenges

• Review, direct, guide, and inspire the analytical work of junior members in the team. Manage the India risk DS team who will be reporting directly into

• Collaborate with internal Technology partners and Data Engineering function to best leverage Visas internal technology platforms, data, and the broader Visa ecosystem to support our clients technical data needs

• Manage workload for self and direct reports, providing prioritization guidance for project flow to improve process efficiency

• Develop, share, and build global best practices and knowledge management within the team

• Socialize innovative ideas and approaches that are scalable and have market demand

• Champion internal requirements around Model Risk Management, Visa Analytics Rules, and Global Privacy standards around client delivery to ensure that Visas highly regarded market standing is maintained

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Basic Qualifications

•10 or more years of work experience with a Bachelor's Degree or at least 8 years of work experience with an Advanced Degree (e.g. Masters/ MBA/JD/MD) or at least 3 years of work experience with a PhD

Preferred Qualifications

•Minimum of 12 years of expertise in applying Machine Learning & Deep Learning solutions to business problems especially risk management– model development and production experience required. Minimum of 5 years of experience in people management

•Post-graduate degree (Masters or PhD) in quantitative fields such as Statistics, Mathematics, Data Science, Operational Research, Computer Science, Informatics, Economics, or Engineering

•Excellent knowledge, experience and understanding of quantitative techniques (modelling, statistics, root-cause, etc.) applied to Risk Management with a focus on Card and Payments. Familiarity with key Risk and Performance Indicators. Experience working in one or more of the Card & Payments markets around the globe, with specific responsibilities in payments, retail banking, or retail merchant industries

•Good understanding of Payments and the Banking industry, including card verticals such as consumer credit, consumer debit, prepaid, small business, commercial and co-branded product

•Expert knowledge of data, market intelligence, business intelligence, and AI-driven tools and technologies, with demonstrated ability to incorporate new techniques to solve business problems

•Experience planning, organizing, and managing multiple large projects with diverse cross-functional teams, including resource planning and delivery implementation

•Experience in presenting ideas and analysis to stakeholders whilst tailoring data-driven results to various audience levels

•Proven ability to deliver results within committed scope, timeline and budget

•Very strong project management skills and experience

•Ability to travel within CEMEA on short notice

Technical Expertise

•Expertise in distributed computing environments / big data platforms (Hadoop, Elasticsearch, etc.) as well as common database systems and value stores (SQL, Hive, HBase, etc.)

•Strong understanding and experience of modern technology stack and microservice architecture including Kotlin, Spring boot, PostgreSQL, Kafka, AWS

•Relevant experience of engineering unstructured/structured data from Telco, Supermarket, Social Media, Online logs, E-commerce, etc is preferrable

•Ability to write scratch MapReduce jobs and fluency with Spark frameworks

•Familiarity with both common computing environments (e.g. Linux, Shell Scripting) and commonly-used IDEs (Jupyter Notebooks), proficiency in SAS technologies and techniques is preferred

•Strong programming ability in different programming languages such as Python, R, Scala, Java, Matlab, C++, and SQL

•Experience in drafting solution architecture frameworks that rely on APIs and micro-services

•Familiarity with common data modeling approaches and ability to work with various datatypes including JSON, XML, etc.

•Ability to build data pipelines (e.g. ETL, data preparation, data aggregation and analysis) using tools such as NiFi, Sqoop, Ab Initio, familiarity with data lineage processes and schema management tools such as Avro

•Proficient in some or all of the following techniques: Linear & Logistic Regression, Decision Trees, Random Forests, K-Nearest Neighbors, Markov Chain Monte Carlo, Gibbs Sampling, Evolutionary Algorithms (e.g. Genetic Algorithms, Genetic Programming), Support Vector Machines, Neural Networks, Bagging and Boosting algorithms, etc.

•Expert knowledge of advanced data mining and statistical modeling techniques, including Predictive modeling (e.g., binomial and multinomial regression, ANOVA), Classification techniques (e.g., Clustering, Principal Component Analysis, factor analysis), Decision Tree techniques (e.g., CART, CHAID)

Leadership Competencies

•Demonstrates integrity, maturity and a constructive approach to business challenges

•Serves as a role model for the organization by implementing core Visa Values

•Shows respect for individuals at all levels in the workplace

•Strives for excellence and extraordinary results

•Uses sound insights and judgments to make informed decisions in line with business strategy and needs

•Able to allocate tasks and resources across multiple lines of businesses and geographies

•Able to influence senior management both within and outside Data Science

•Successfully persuading internal stakeholders to commit to best-in-class solutions, when required

•Leverages change management leadership as required

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.