Senior Manager - Card Portfolio Optimization Consulting, VCA X
Visa · Posted Oct 5
Digital payment technology platform and global payment card services corporation
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About the role
Visa Consulting and Analytics (VCA) is the consulting arm of Visa, solving strategic problems for issuers, acquirers, merchants, fintechs, payment enablers and governments across consulting, data analytics, technology, payments and economics. VCA-X is VCA's global delivery capability, scaling high-value solutions through multidisciplinary teams, common delivery standards and AI-enabled assets, with Specialist & Consulting Delivery as a core pillar. This role owns card portfolio optimization strategy — customer lifecycle management, campaign design and targeting, analytics and forecasting — to lift acquisition, activation, engagement and incremental spend across credit and debit portfolios.
What you will do
- Primary focus: Own and drive portfolio strategy — lifting 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.
- Develop 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.
- Design 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.
- Translate portfolio objectives into campaign strategies: offer constructs, eligibility, targeting rules, suppression logic, and measurement frameworks.
- Drive analytics that size opportunities and forecast impact (propensity, uplift, CLV, attrition, spend elasticities); own a disciplined test-and-learn roadmap.
- Craft clear documentation and executive-ready presentations that turn findings into decisions for senior stakeholders.
- Track market trends (rewards, interchange, merchant offers, embedded finance, tokenization, BNPL, digital wallets) and turn them into portfolio interventions.
- Build the playbooks, benchmarks, and frameworks that become the reference standard for portfolio optimization across every market — not a one-off deliverable, but the thing other markets build on.
Skills used in this role
What the employer is looking for
- Bachelor’s or Master’s degree in Data Science, Statistics, Mathematics, Economics, Computer Science, Engineering, Operations Research, or a related quantitative discipline.
- 8-12 years in cards/payments, banking, or consulting with hands-on ownership of cards portfolio optimization, lifecycle programs, and campaign management.
- 2-4 years of Experience managing people, capacity, and multiple concurrent engagements.
- 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.
Preferred qualifications
- Experience in payments, banking, financial services, consulting, or another data-intensive industry.
- Experience with GenAI, agentic workflows, prompt-based systems, or AI-assisted analytics.
- Excellent written and verbal communication; ability to craft executive-ready presentations and translate complex analytics into clear business decisions.
- Strong project management; ability to run multiple initiatives, set priorities, and meet deadlines in a fast-paced environment with disciplined documentation.
- Define the methodology, don't just execute one — thrive in a delivery model where the standard for this capability area is still being built, and where your judgment sets it.
Benefits and support
- Compensation and benefits are detailed in the job posting
About Visa
Visa Inc. is a multinational payment card services corporation that facilitates electronic funds transfers worldwide. The company empowers global commerce through its secure digital payment network, connecting consumers, merchants, financial institutions, and government entities across more than 200 countries and territories.
- Industry
- Banking
- Company size
- 34100 employees
- Founded
- 1958-09-18
- Location
- San Francisco, California, USA
- Funding stage
- Public Company
Funding
Public Company · $17.9B raised
- 2008-03-19IPO$17.9B
Leadership
Chief Executive Officer
Chief Financial Officer
Chief Product and Strategy Officer
Group President, Global Markets
Vice Chair, Chief People and Corporate Affairs Officer
Recent coverage
Visa Newsroom
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