Internship Merchant Risk Analyst Jobs in Oakland, CA

About Us
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.
Visa will accept applications for this role until at least 09-30-2026
Job Description
Visa Consulting & Analytics (VCA), the consulting arm of Visa, is a global team of industry experts in strategy, marketing, operations, risk, money movement and digital consulting, with decades of experience in the payments industry. Our VCA teams offers:

• Consulting services customized to the needs of Visa client's business objectives and strategy
• Scalable solutions Visa clients can leverage to improve performance in product, marketing and operations
• Proven data-driven marketing strategies to increase clients' ROI

The Consulting Practice within VCA provides consulting and solution services for Visa's largest issuers in North America. We apply deep expertise in the payments industry to provide solutions to assist clients with their key business priorities, drive growth and improve profitability.
The Risk Practice advises Visa clients and ecosystem partners on core risk management areas for card portfolio management, including originations strategies, underwriting, fraud, authorizations, disputes, credit line management, and collections.
VCA team is looking for an individual to join our Risk Practice and play a role in developing high impact projects for Visa's clients. The potential candidate will be responsible for delivering and implementing projects and solutions as the leader of our Credit and Identity Risk Practice. This person will design, implement, and optimize strategies across the credit lifecycle to enhance risk management, improve decision-making, and drive business growth. This role requires deep expertise in credit risk frameworks, and data analytics, with a strong focus on innovation and operational efficiency.
Specific responsibilities include

• Proactively engage Visa senior leaders in regular strategy, planning, and pipeline discussions, cultivating and managing a portfolio of Credit Risk opportunities across North America.
• Lead end-to-end credit risk consulting initiatives, contributing to origination and closing of engagements by identifying and shaping opportunities across all VCA segments, including consumer, commercial, small business, and fintech clients.
• Deliver and scale automated credit policy and decisioning solutions, including policy frameworks, model-driven decision logic, model adjustment tools, and governance-ready artifacts to support issuer underwriting and portfolio management needs.
• Partner closely with data science teams to deploy and interpret predictive models, model forecasts, and stress scenarios - translate analytical outputs into clear business decisions and actionable recommendations.
• Conduct credit maturity assessments across onboarding, underwriting, line management, and collections processes, identifying capability gaps and recommending industry best practices and target-state operating models.
• Deliver and scale loss forecasting and mitigation solutions, including expected loss projections, scenario/stress analytics, and strategy recommendations to proactively reduce delinquencies and credit losses across the portfolio
• Design and implement dashboards, scorecards, and KPIs to monitor credit risk performance, delinquency trends, early-warning indicators, and overall portfolio health.
• Develop customer lifetime value (CLV) and portfolio economics models to inform acquisition, underwriting, pricing, and line management strategies, balancing growth, risk, and profitability.
• Build repeatable frameworks, methodologies, and solution architectures that address complex client challenges across issuers, acquirers, merchants, processors, and fintech partners.
• Reliably manipulate and analyze large-scale datasets (Visa and industry sources) to generate meaningful insights, validate hypotheses, and support data-driven decision-making.
• Collaborate cross-functionally with Product, Engineering, Risk Governance, Legal, Compliance, and Sales teams to ensure solutions are scalable, regulatory-compliant, and aligned to Visa's risk and data standards.
• Drive innovative risk strategies by leveraging alternative data, and AI.
• Incumbents applying for the role should be self-motivated, highly energized detail-oriented individuals who will deliver strategic thought leadership, problem diagnostics and high impact solutions to clients support the growth and performance. Candidates must be able to develop enduring, strategic relationships with internal and external clients and across the Visa organization.

This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager.
Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.
Qualifications
Basic Qualifications
• 10 or more years of work experience with a Bachelor's Degree or at least 8 years of work experience with an Advanced Degree (e.g. Masters/ MBA/JD/MD) or at least 3 years of work experience with a PhD
Preferred Qualifications
• 12 or more years of work experience with a Bachelor's Degree or 8-10 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 6+ years of work experience with a PhD
• 10-12 years of experience with a bachelor's degree or 8 years of experience with an Advanced Degree (e.g. Masters, MBA, or PhD)
• 8-10 years of relevant experience managing credit risk in financial institutions or large management consulting firm
• Proven experience in credit risk management, consulting frameworks, and credit lifecycle optimization.
• Strong analytical skills with demonstrated intellectual and analytical complexity
• Familiarity with regulatory compliance, and risk governance policies.
• Knowledge and understanding of banking operations and/or payment schemes, including products & services, business systems and processes, marketing initiatives and card acquiring/issuing experience
• Ability to lead cross-functional teams and manage complex projects in dynamic environments.
• Experience working with credit risk indicators to measure business performance. Significant focus on impacting ROI
• Self-motivated, results oriented individual with the ability to handle numerous projects concurrently
• Excellent communication, storytelling and presentation skills
• People-first mindset, team player, experience mentoring junior-level individuals
• Collaborative, and flexible, able to work effectively in matrixed organization. technologically savvy, curious, up to date with AI, digital trends, and applications
U.S. Applicants Only
The estimated salary range for this position is $151,600 to $285,600 USD per year, which may include potential sales incentive payments (if applicable). Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity.Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401(k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.
Work Hours
Varies upon the needs of the department.
Travel Requirements
This position requires travel 5-10% of the time.
Mental/Physical Requirements
This position will be performed in an office setting. The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.
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 protect veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with the EEOC guidelines and applicable local law, including the requirements of Article 49 of the San Francisco Police Code.