· Portfolio Strategy and Performance
o 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.
o Diagnose performance drivers and recommend segment-level interventions by lifecycle stage.
· Customer Lifecycle Management
o Design journeys for onboarding, early engagement, habituation, maturation, retention/win-back; define treatments and test plans (A/B and multivariate).
o 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 Execution
o Translate portfolio objectives into campaign strategies: offer constructs, eligibility, targeting rules, suppression logic, and measurement frameworks.
· Insights, Analytics, and Forecasting
o Support analytics to size opportunities and forecast impact (propensity, uplift, CLV, attrition, spend elasticities); drive a disciplined test-and-learn roadmap.
o Prepare clear documentation and executive-ready presentations communicating findings and recommendations to senior stakeholders.
· Thought Leadership and Team Contribution
o Monitor market trends (rewards, interchange, merchant offers, embedded finance, tokenization, BNPL, digital wallets) and recommend portfolio interventions.
Responsibilities
· Portfolio Strategy and Performance
o 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.
o Diagnose performance drivers and recommend segment-level interventions by lifecycle stage.
· Customer Lifecycle Management
o Design journeys for onboarding, early engagement, habituation, maturation, retention/win-back; define treatments and test plans (A/B and multivariate).
o 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 Execution
o Translate portfolio objectives into campaign strategies: offer constructs, eligibility, targeting rules, suppression logic, and measurement frameworks.
· Insights, Analytics, and Forecasting
o Support analytics to size opportunities and forecast impact (propensity, uplift, CLV, attrition, spend elasticities); drive a disciplined test-and-learn roadmap.
o Prepare clear documentation and executive-ready presentations communicating findings and recommendations to senior stakeholders.
· Thought Leadership and Team Contribution
o Monitor market trends (rewards, interchange, merchant offers, embedded finance, tokenization, BNPL, digital wallets) and recommend portfolio interventions.
Salary : As per industry standard.
Industry :IT-Software / Software Services
Functional Area : IT Software - Application Programming , Maintenance
Work on projects with teams of typically 3 – 5 consultants/designers, taking charge of specific aspects of the project. You will do extensive research, source data, lead cocreations/workshops and contribute to identifying potential solutions for card application journeys and Mobile applications.
Drive discovery, design and development of digital journeys, by leveraging design principles and HCD approachCommunicate visually through storyboards, wireframes, interactive prototypes and concepts.
Work on topics that are complex in scale and scope, intellectually demanding, and deadline driven.
Assess the current mobile app experience, identify gaps, and define enhancements that improve conversion, reduce friction, and meet regulatory and accessibility standards.
Rapidly convert ideas into working prototypes, meshing-together solutions/capabilities that exist within the organization or externally.
Conduct and/or support in-depth market testing using various qualitative and quantitative research methods
Develop a nuanced understanding of emerging digital payment trends as well as capabilities and be able to apply them to clients’ business problems to actively engage with clients and co-develop meaningful solutions to address their challenges.
Present the results to internal Visa stakeholders, client management and implement recommendations in collaboration with client team members and other project stakeholders.
Define target personas, jobs to be don
Responsibilities
Work on projects with teams of typically 3 – 5 consultants/designers, taking charge of specific aspects of the project. You will do extensive research, source data, lead cocreations/workshops and contribute to identifying potential solutions for card application journeys and Mobile applications.
Drive discovery, design and development of digital journeys, by leveraging design principles and HCD approachCommunicate visually through storyboards, wireframes, interactive prototypes and concepts.
Work on topics that are complex in scale and scope, intellectually demanding, and deadline driven.
Assess the current mobile app experience, identify gaps, and define enhancements that improve conversion, reduce friction, and meet regulatory and accessibility standards.
Rapidly convert ideas into working prototypes, meshing-together solutions/capabilities that exist within the organization or externally.
Conduct and/or support in-depth market testing using various qualitative and quantitative research methods
Develop a nuanced understanding of emerging digital payment trends as well as capabilities and be able to apply them to clients’ business problems to actively engage with clients and co-develop meaningful solutions to address their challenges.
Present the results to internal Visa stakeholders, client management and implement recommendations in collaboration with client team members and other project stakeholders.
Define target personas, jobs to be don
Salary : As per industry standard.
Industry :IT-Software / Software Services
Functional Area : IT Software - Application Programming , Maintenance
Must have working knowledge of credit cards
· Must have hands on knowledge of building application score, behavior score, PD, LGD models
· Solid understanding of IFRS 9 or CECL (lifetime ECL, staging/pooling), and model risk governance
· Python, ML, SQL, SAS and Tableau
· Communication skills to explain complex methods to non‑technical audiences; clear documentation.
· Exposure to bureau data (e.g., attributes, reason codes), alternative data, and identity/behavioral signal
Responsibilities
Must have working knowledge of credit cards
· Must have hands on knowledge of building application score, behavior score, PD, LGD models
· Solid understanding of IFRS 9 or CECL (lifetime ECL, staging/pooling), and model risk governance
· Python, ML, SQL, SAS and Tableau
· Communication skills to explain complex methods to non‑technical audiences; clear documentation.
· Exposure to bureau data (e.g., attributes, reason codes), alternative data, and identity/behavioral signal
Salary : As per industry standard.
Industry :IT-Software / Software Services
Functional Area : IT Software - Application Programming , Maintenance
