About UsVisa 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.Job DescriptionPrimary focus: Support and execute portfolio strategy to drive acquisition, activation, engagement, and incremental spend across credit and debit card portfolios.Core expertise: Cards portfolio optimization strategy, customer lifecycle management (CLM), and campaign management (design, targeting), with strong familiarity with payments industry rules and card-network/regulatory guidelines.Responsibilities:Portfolio Strategy and PerformanceDevelop and refine end-to-end strategies to improve KPIs: acquisition, activation, usage, spend per active, retention, cross-/up-sell, attrition reduction, credit losses, and ROI.Diagnose performance drivers and recommend segment-level interventions by lifecycle stage.Customer Lifecycle ManagementDesign journeys for onboarding, early engagement, habituation, maturation, retention/win-back; define treatments and test plans (A/B and multivariate).Identify friction points and opportunities to accelerate first-use, repeat use, and long-term engagement across digital and partner/merchant channels.Campaign Strategy, Design, and ExecutionTranslate portfolio objectives into campaign strategies: offer constructs, eligibility, targeting rules, suppression logic, and measurement frameworks.Insights, Analytics, and ForecastingSupport analytics to size opportunities and forecast impact (propensity, uplift, CLV, attrition, spend elasticities); drive a disciplined test‑and‑learn roadmap.Prepare clear documentation and executive‑ready presentations communicating findings and recommendations to senior stakeholders.Thought Leadership and Team ContributionMonitor market trends (rewards, interchange, merchant offers, embedded finance, tokenization, BNPL, digital wallets) and recommend portfolio interventions.This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager. QualificationsPreferred Qualifications:9 or more years of relevant work experience with a Bachelor Degree or 7 or more relevant years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3 or more years of experience with a PhD8-12 years in cards/payments, banking, or consulting with hands‑on ownership of cards portfolio optimization, lifecycle programs, and campaign management.2-4 years of people management experience.Experience with offer optimization, rewards strategy, merchant‑funded offers, and partnerships.Familiarity with credit risk fundamentals (underwriting policy, line management) and their interaction with spend growth strategies.Functional expertise:Deep understanding of credit/debit card economics (interchange, rewards liability, acquisition cost, NPV/CLV, revolve/repay dynamics) and spend drivers.Practical knowledge of industry rules and guidelines (card network operating rules, compliance, data privacy, fair marketing practices) and their impact on strategy and campaigns.Communication & Influence:Excellent written and verbal communication; ability to craft executive‑ready presentations and translate complex analytics into clear business decisions.Proven stakeholder management across product, marketing, compliance, and risk; track record of driving cross‑functional outcomes.Project Delivery:Strong project management; ability to run multiple initiatives, set priorities, and meet deadlines in a fast‑paced environment with disciplined documentation.Visa is an EEO EmployerQualified 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.