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Data Scientist - Credit Card Analytics (3-5yrs)



Data Science
Bengaluru, Karnataka, India · Indiana, USA
Posted on Friday, July 5, 2024

Company Description

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.

Job Description

Visa Consulting and Analytics (VCA) is Visa's consulting division, serving Visa's clients (including card issuers, acquirers, and merchants) and solving their strategic problems focused on improving performance and profitability. Drawing on our expertise in strategy consulting, payments, data analytics, marketing, operational and macroeconomics, VCA drives high impact and tangible financial results.

The individual will be part of VCA Data Science team, under Managed Services vertical and will be responsible for delivering data analytics projects with Visa client. The team is involved in a comprehensive range of analytics services for our client, that address unique challenges in areas such as strategic growth, cards profitability, product acquisitions, customer engagement and portfolio management.

What a Data Scientist, Visa Consulting & Analytics does at Visa:

The Data Scientist will be a member of VCA Data Science team in Asia Pacific and will report to the squad lead. This position will be embedded at client office and based in Bangalore.

The individual will be accountable for delivery and implementation of analytics strategies as well as high-impact solutions for the client. He/she will bring in deep expertise from credit cards and retail banking with a strong background in data analysis to solve complex problems and unlock business value.

Key responsibilities include:

  • Execute and deliver data analytics projects for the Visa client
  • Drive credit card portfolio strategies with the use of client data and/or other sources of data e.g. Visa data, third party etc.
  • Act as analytics advocate within our partners, advising teams and sharing best practices and case studies.
  • Continually look at the environment to challenge our assumptions around new sources of data, potential analytics partners, tools, talent, and infrastructure.
  • Explore leading methodologies, best practices and import successful methodologies from other international markets
  • Effectively interact with clients and manage internal/external stakeholder communication

Why this is important to Visa

As payments consulting arm of Visa, VCA is growing a team of highly specialized experts who can provide best-in-class payment expertise and data-driven strategies to clients. We’re building a high-performing team of data scientists, data analysts and statisticians helping major organizations adapt and evolve to meet the changes taking place in technology, finance, and commerce with cutting-edge, creative, and advanced analytic solutions. The purpose of the team is to help Visa’s clients grow their business and solve problems by providing consulting services using data.

This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office 2-3 set days a week (determined by leadership/site), with a general guidepost of being in the office 50% or more of the time based on business needs.


We are looking for a motivated, analytical minded individual with a track record of using data and analytics to unlock business value. A successful candidate should have accumulated a variety of industry experience, be curious about banking and cards industry, should be results-driven and client-centric.

• Degree in a Quantitative field such as Statistics, Mathematics, Operational Research, Computer Science, Economics, Engineering, or equivalent
• Minimum 3+ years of analytics experience in applying statistical solutions to business problems
• Experience in card payments and/or retail banking domain
• Hands on experience with one or more data analytics/programming tools such as SAS/Hadoop/R/SQL/Python/Hive
• Outstanding problem-solving skills, with demonstrated ability to think creatively and strategically
• Presentation and data storytelling skills including strong hold on MS Excel and PowerPoint
• Self-motivated, results oriented individual with ability to handle multiple projects concurrently
• Experience in working closely with data science community

Additional Information

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.