Affluent Consumer Credit Director

**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.

Affluent consumer credit business is one of the most important and strategic solution for Visa and our clients, mainly affluent portfolio.

The affluent credit Director will lead and manage Visa’s affluent strategy across key products, product development, enablement, consumer credit portfolio and benefits P&L management, and solutions delivery in the Brazil market.

Collaborate with cross functional internal teams local, regional and global, as well as all issuing banks, acquirers and strategic partners.

This role requires embracing end-to-end ownership of Visa credit affluent portfolio identifying market opportunities and requirements, contributing to the development and execution of Visa’s products growth in Brazil, as well as management of Visa’s affluent strategy.

This role will require the following tasks to be performed on a daily basis:
1. Identifying opportunities:

- Prospecting potential new partners, analysis of opportunities, and understanding of affluent market gaps.
- Conduct product adaptations to local needs defining end-to-end solutions.
- Pricing analysis and product Risk Assessment.
- Work close to regulators when approval of new products and services is required that allow Visa to operate in a complex environment.

2. Sales Support
- Work with Sales teams and issuers directly, to identify best acquisition strategy and sales channels available for affluent product adoption.
- Identify and develop best practices to be shared with clients and other Visa offices.
- Lead product implementations within clients and partners.

3. Product Management
- Product development and continuous enhancements in order to keep affluent products up to date and according to client’s needs: new, innovative, with high service levels, fully digital, mobile and value add strategies that meet the needs of today’s global consumers and businesses.
- Identify emerging segments and trends focused on electronification of payments.
- Ownership of consumer credit portfolio management.
- Maintain affluent product strategy, product revenue, benefits P&L, market adoption, and tactical plans to each of key issuers, seeking best in class performance.
- Owner of product MIS reports to senior management.
- Maintain / expand relationship with local partners, seeking business opportunities and strategic alliances for Visa and clients.

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.
**Qualifications**
- Develop and maintain cross functional relationships with all Visa teams.
- Experience in and/or significant exposure to the payments industry, track record of transformation / change agent.
- Experience in ultra high-net worth, high value and mass affluent segment, mainly in value propositions and execution of services and experiences for the segment. Deep knowledge in these segment needs, preferences, types of communication. Strong level of orientation to detail.
- Education: Bachelor Degree.
- Language knowledge required: Fluent English and (Spanish is desired).
- Flexible and creative thinker with the ability to define business tradeoffs, generate out-of-the-box solutions, manage uncertainty.
- Strong written and in-person communication skills, including ability to develop business requirements, stakeholder documents, and other key communications.
- Experience in digital services/products development, implementation and management.
- Ability to structure and manage complex cross-enterprise projects and processes with multiple stakeholders. Ability to prioritize deliverables and projects to meet OKRs and timelines efficiently, utilize agile methodology by quickly delivering value, adapt to changes in priorities, and structure and manage multiple initiatives simultaneously
- Ability to handle multiple tasks at once.

**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 wi