Product Manager, Credit Solutions

Company Description

Visa 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 Description Responsibilities:

• As a Product manager, you will act as both the Subject Matter Expert (SMEs) and Specialised Sales across Visa’s Credit and Consumer Solutions, ensuring client-facing teams have the knowledge, collateral and support they need to rapidly grow product penetration and revenue.
• Supporting the mid- and long term commercialisation (P&L, revenues direct and indirect) for all Credit and Consumer solutions in UK & I, including existing solutions and those in early ideation and concept stages, and work closely with the Value-Added-Services (VAS) organisation to propose end-to-end solutions to clients (e.g., Banking and Lending capabilities from the Tink solution suite, merchant info, Pre-dispute, etc.)
• Launch and scale enhanced Affluent (Mass, HNW, UHNW) propositions, with expanded Visa benefits to grow portfolio market share, and drive engagement and spend uplift.
• Grow current consumer credit portfolios across UK&I clients, energise dormant/stagnant portfolios, support premium portfolio growth, enhance portfolios in an ethical manner to ensure affordability and regulatory compliance.
• Drive solutions adoption in UK&I and look at commercial opportunities to scale/distribute that allows for broadening credit and instalments products across new markets (e.g. Ireland), and expanding in existing markets (e.g., UK).
• Work directly with our Issuers and Lenders to develop new lending propositions, taking a customer centric and data driven approach, delivering a clear ROI to Visa and the client.
• Drive critical client engagements at working-team levels across the sales and commercialisation cycle of the various solutions, and actively manage pipeline of sales opportunities across clients types and against annual P&L targets, and work closely with the sales organisation (VAS, AEs) to drive deals and projects to closure.
• Contribute to delivery of Visa 2030 strategy through specific client-led sprints to actively provide feedback and requirement into the Regional/Global product roadmaps to ensure solutions are fit for purpose and market ready and continue to innovate to reflect customer and consumer needs.
• Focus on Premium/HNW and new Credit capabilities/solutions across the lending value chain.
• Support the Senior Director in providing regular updates and reporting to leadership levels of Visa management on key metrics and objectives.
• As requirements of this role and key priorities and initiatives evolve, adapt to growing needs of the team and broader Products organisation.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Qualifications

• We are looking for a seasoned Product leader with Credit/Lending experience in technology or financial services roles.
• Background in an issuing institution managing and growing credit portfolios (experience with affluent segments preferred), understanding of lending value-chain, capabilities required to underwrite and manage credit/consumer loans end to end along with an understanding of payments regulation.
• Industry knowledge of BNPL and solution vendors is nice to have.
• Curious and inquisitive problem solver – thrives in difficult and big problem spaces.
• The candidate will need to demonstrate strong commercial acumen, data fluency and have an in depth understanding of Credit P&L KPIs, as well as trends in the credit and lending market.
• Rigorous thinker, ability to transpose business, financial and technical understanding to relevant market inputs with sales and product teams as well as with external client discussions – leading to commercial & revenue opportunities.
• Ownership and driving impact are important aspects to the role, must have the mindset to fully understand and quickly overcome commercial, technical, industry and internal challenges to succeed.
• Comfortable in iterative and continuous change to maximise opportunities and drive efficiencies.
• Strong ability to progress solutions and enhancements with urgency and prioritized focus for commercial and strategic benefits for our customers and Visa.

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.