Senior Director, Head of Consumer Payments

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

Position Summary

The Head of Consumer Payments, Greater China is responsible for leading the development of the cluster’s Consumer product strategy and leverage Visa’s digital assets and solutions to drive consumer and client preference, activation, usage and advocacy. You will manage the Credit, Debit and Pre-paid portfolios against key metrics such as revenue, transaction volume and value, and active account growth. You will lead a team that works closely with Global and regional product teams to develop the right products and value propositions for a range of priority segments in collaboration with Visa’s clients.

The role requires deep industry understanding of retail banking, unsecured lending, everyday banking, channel management and digital customer experience. You will combine your product management experience with strong awareness of trends in consumer payment preferences and technology usage, with the goal to develop payment experiences and solutions that increase customer engagement with the Visa product, drive usage and preference across credit, debit and prepaid products.

An important responsibility for this role is the development, refinement and execution of Visa’s affluent and cross border strategies that leverage Visa’s consumer solutions, data capabilities, and strategic relationships. This role has a clear mandate to drive the digitization, distribution and usage of these services to improve consumer take up, activation and usage of Visa consumer products.

The successful candidate will have demonstrable success at working effectively across matrixed organizations, has the ability to define and articulate Greater China’s product requirements, develop and champion changes to rules, policies and programs in order to align Visa client needs with those of the successful ongoing growth of the network.

Key responsibilities include:

• Leading and managing Visa’s consumer products (Credit, Debit and Prepaid) strategies, product development, enablement and solutions delivery including management/delivery against key metrics across the region and management of the product P&Ls
• Protecting and growing core drivers of the business by working closely with markets, key issuers and global clients to drive acquisition, activation and profitable usage, payment volume and revenue. This includes but is not limited to winning affluent issuance, portfolio optimisation, performance tracking, channel diversification, driving greater cross-border and e-commerce volume.
• Applying a client-centric mindset and human-centred design methodology to the development of new products and solutions
• Developing next-gen product enhancements that promote Visa digital account engagement via partner and client channels and platforms
• Developing and executing a comprehensive strategy for Visa’s affluent and cross border proposition in Greater China with the aim of delivering superior value propositions for the end consumer as well as our merchant partners
• Enhancing Visa’s differentiation and competitive advantage by creating a strong platform of benefits and value-added services, leveraging Visa’s local, regional and global partnerships
• Managing and executing annual budget, people management objectives and oversee execution of key product initiatives
• Collaborating with cross-functional leads (VAS, VCA, CMS, Marketing etc) to drive strategic alignment and ensure product roadmap is supportive of all common initiatives and priorities
• Managing, coaching and developing team to deliver against objectives and maximise potential.

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

Qualifications

What you will need:
• 15+ years in related industry experience in credit card center, retail banking and/or strategic consultancy in financial services
• Experience in driving product strategy and Go-To-Market for new product or programs of scale
• Understanding of the drivers of retail bank product P&Ls and an understanding of trends in retail bank strategy around customer engagement. Life cycle management and multi-product penetration strategies.
• Exceptional leadership and influencing skills and business acumen – thinks strategically to influence and drive tactical execution
• Demonstrable people management skills of moderate to large teams, with a track record of people development and coaching.
• Strong demonstrated collaborator with the ability to effectively work cross-organizationally
• Ability to drive decisions and operate in ambiguity
• Ability to resolve conflicting situations
• Superior communication skills
• Advanced degree, such as an MBA, is strongly preferred
• An impressive record of digital products/services delivered from idea through to commercialization
• Ability to connect the dots between product, design, technology, and strategy to solve complex problems
• Track record for a proven ability to attract, hire and train top talent

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.