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.
Visa Consulting and Analytics (VCA) drives tangible, impactful and financial results for Visa’s network clients, including both financial services and merchants. Drawing on our expertise in strategy consulting, data analytics, brand management, marketing, operational and macroeconomics, Visa Consulting and Analytics solves the most strategic problems for our clients.
The India & South Asia (InSA) Consulting Market team within Visa Consulting & Analytics provides consulting and solution services for Visa’s largest issuers in India, Sri Lanka, Bangladesh, Nepal, Bhutan & Maldives. We apply deep expertise in the payments industry to provide solutions to assist clients with their key business priorities, drive growth and improve profitability. The VCA team provides a comprehensive range of consulting services to deliver solutions that address unique challenges in areas such as improving profitability, strategic growth, customer experience, digital payments and running risk.
You will join our consulting team and play a role in delivering and implementing high impact projects and solutions with client across the Payments Ecosystem which includes Issuers, Acquirers, Merchants, Fintechs etc. You will develop initiatives to promote balanced and profitable growth, thereby ensuring that Visa is both, the preferred brand and outstanding business partner. The main objective of the role is to help deepen client relationships, identify consulting opportunities and optimize client performance by helping them implement campaigns and strategies recommended by Visa. This role is based in our Mumbai office and reporting into the Head of Strategy & Advisory, VCA India & South Asia.
What a Cards Portfolio Consulting Director does at Visa:
The Director Portfolio Optimisation Consulting is responsible for delivering Portfolio Optimisation advisory services to Visa’s clients .The Director will report into the Head of Visa Consulting and Analytics, VCA - India and South Asia (INSA), and will lead the Portfolio Optimisation advisory Practice Area. This individual will bring expertise in Portfolio Optimisation functional domain gained as within a bank and/or a specialized consulting firm. We are looking for a motivated, analytically minded leader with a track record of using Portfolio Optimisation expertise to unlock business value.
The three responsibility areas are :
Drive business and pipeline development of Visa’s Consulting and Advisory services with specific revenue targets as per the annual plans for India Lead high-impact solutioning & delivery that meet the high standards leading to high NPS & repeat engagements Develop Consulting practice area within the assigned client cohort & contribute to Thought Leadership
Your responsibilities will include:
Scale up the Portfolio Optimisation Advisory Practice in the market and will be responsible for meeting the practice and delivery targets
With expertise in Portfolio Optimisation, help develop clients business strategies across the product lifecycle (acquisition, underwriting, customer management, portfolio management)
Develop Portfolio Optimisation advisory related knowledge and capabilities creating next generation Portfolio Optimisation engagement with Visa clients
Build new scalable solutions, toolkits, standard methodology documents and consulting approach that can be applied across VCA practice
Partner with in-market VCA consultants and data scientists to innovate and deliver Portfolio Optimisation-related advisory engagements
Using VISA and external data to analyze client needs across the focus markets and identify opportunities for consulting assignments with VISA’s key clients
Develop a pipeline of projects in partnership with the Client Relationship Management teams, deliver engagement proposals and secure new consulting assignments with clients, as well as re-engagements opportunities via a consultative sales approach
Lead regular strategic & planning discussions at client level collaborating with internal Visa teams and key stakeholders at clients
Diversify VCA’s advisory offerings by developing new practices within payments consulting and develop framework, go to market and commercial model around the same
Manage, facilitate and implement consulting services and meet engagement deliverables (engagement objectives, project scope, budget, paperwork, external consultants' supervision and project delivery)
Design and deliver compelling presentations to illustrate findings, ideas, recommendations within consulting engagements and more broadly, at times physically support implementation at the client site
Collaborate cross-functionally (marketing, sales, risk, client services, products & innovation) and across global regional teams to execute projects in ways that use the breadth and depth of Visa’s resources
Collaborate with other VCA team members ensuring the delivery of high quality consulting deliverables
Commercialize new ‘set plays’ that are rolled out across InSA clients
Liaise with VISA functional teams (Finance, Audit, Legal, Tax, Sourcing) to define and implement processes to optimize the daily engagement of vendors and the relationships with clients
Potential projects could include portfolio management diagnostics, assessments of digital product and marketing strategies, product design and launch, development of industry landscape evaluations to inform payments strategies, and optimization of client customer experience and supporting processes.
Why this is important to Visa
Visa is committed to meeting a broader set of our client’s needs which in turn help to diversify our revenue. Visa Consulting and Analytics is a leading contributor to achieving this strategy. The Client Consulting Director is responsible for delivering this objective for India and South Asia clients.
What you will need:
Having already accumulated a variety of experience, you will be curious about the payment industry and keen to work alongside an experienced team in gaining a deeper understanding. You will be comfortable in presale consulting engagement, delivery of a project, managing a project end to end and relish the opportunity to work closely with clients to influence their future performance. As a Director, you should be a strong leader, working with client senior management team, and internal client relationship and account executives in Visa.
Specific skills and experience you will bring are:
• At least 12 years of solid experience gained preferably within the financial services practice of a top-tier consulting firm having moved swiftly through ranks OR at a large Indian, regional or global financial institution and/or financial technology company. A combination of regional and global experience strongly desired
• Deep consulting skills and client engagement capabilities. Advanced client management, project management and presentation skills
• Strong knowledge and experience of managing or consulting for large cards portfolios across topics of portfolio optiisation, profitability, P&L management, end to end program management, etc.
• Strong network and credibility within financial services clients in India and diplomatic skills to extract desired outcomes. Comfortable interacting with and presenting to senior management of clients and VISA
• Superior analytical and problem solving skills, with demonstrated intellectual and analytical rigor
• Strong team leadership skills with a collaborative, diplomatic, and flexible style and able to work effectively in a matrixed organization
• Curious, up to date with Indian payment landscape with a point of view on what & how of client priorities & problems
• Financial acumen with experience managing a P&L.
• Detail oriented, ensuring the highest level of quality/rigor in reports and data analysis
• Self-motivated, results-oriented individual with the ability to progress multiple priorities concurrently
• Strong commercial acumen, with experience in working on business/value cases that prove ROI
• Relevant depth of experience in at least one of the following areas: digital sales/marketing, merchant acquiring / small business customer segments, data analytics and/or credit risk management
• Strong teamwork and collaboration skills with the ability to work effectively with inter-disciplinary groups
In addition, you will ideally bring the following:
• Strong consulting toolkit (e.g. hypothesis driven analysis & problem solving, stakeholder management / facilitation and project management skills)
• Significant understanding of data analysis, modelling, and technology in payments, and cloud technology, etc.
• Experience using financial indicators to measure business performance with a significant focus on impacting return on investment
• Knowledge and understanding of banking operations and/or payment schemes, including products & services, business systems and processes, marketing initiatives and card issuing experience
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.