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To ensure that Visa's payment technology is truly available to everyone, everywhere requires the success of our key bank or merchant partners and internal business units. The Internal Data & Analytics group supports these partners by using our extraordinarily rich data set that spans more than 3 billion cards globally and captures more than 100 billion transactions in a single year. Our focus lies on building creative solutions that have an immediate impact on the business of our highly analytical partners. We work in complementary teamscomprisingmembers from Data Science and various groups at Visa.

This Senior Data Scientist will partner with our North America FP&A organization to embed advanced analytics and data science capabilities directly into finance decisionmaking. This role will partner closely with FP&A leaders to transform large, complex datasets into actionable insights across revenue, cost of volume, macroeconomic drivers, and strategic growth pillars (including Visa Commercial Solutions and Visa Direct).

The ideal candidate will combine strong statistical and modelingexpertisewith a practical understanding of financial drivers, helping advance FP&A's goal of moving from descriptive reporting toward predictive, diagnostic, and scenariobased analysis.

This role will support multiple highimpact analytical domains across North America, serving as a shared data science resource for our North America FP&A Team.

Responsibilities include:

Advanced Analytics & Data Science:

• Applybig data techniques(including artificial intelligence) to analyze highvolume, highgranularity datasets across transactions, volumes, pricing, and client behavior.

• Design and buildstatistical and econometric models, including regressions, forecasts, scenario analyses, and sensitivity analyses, to explain and predict financial performance.

• Developrepeatable analytical frameworks(not oneoffanalyses) that can be reused across planning cycles, forecasts, and strategic reviews.

• Translate complex analytical results intoclear, executiveready narrativesfor FP&A leadership and business stakeholders that go beyond insights to strategic recommendations

• Develop visualizations to make your sophisticated analyses accessible to a broad audience

• Find opportunities to craft products out of analyses that are suitable for multiple use cases within NA FP&A

• Assess the efficiency and accuracy of new data sources and data gathering techniques

• Develop custom data models and algorithms to apply to data sets

• Partner with a variety of Visa teams to provide comprehensive solutions for NA FP&A use cases

• Synthesize ideas/proposals in writing and engage in productive discussions with external or internal partners

• Provide mentorship in modern analytic techniques and business applications to unlock the value of Visa's unique data set, in keeping with market trends, client needs and emerging techniques

Business & Finance Domain Support:

The role will directly support the following FP&A focus areas:

Spend Metrics & MacroEconomic Analysis:

• Perform deep-dive analyses using Visa's large, detailed database of spend volumes and transactions - use this analysis to inform forecasts and drive business decisions

• Quantify macroeconomic variables (e.g., inflation, consumer spend, interest rates, FX, employment) and their impact on our North America business performance.

• Partner closely with the Drivers team to integrate Visa data and macro drivers into forecasting and outlook analysis.

Cost of Volume (CoV) & Unit Economics:

• Build and enhance analytical models linking transaction volumes to cost behavior, including sensitivity analysis, scenario modeling, and what-if frameworks to assess impacts on CoV

• Support the Cost of Volume team with scalable, datadriven cost elasticity and marginal cost analyses, including automated analytical tools and repeatable workflows formonitoringtrends and diagnosing underlying drivers.

Revenue Analytics & Client Economics:

• Analyze revenue drivers, pricing dynamics, and clientlevel economics.

• Support the revenue analytics and consolidation team with deepening client profitability, pricing effectiveness, and revenue yield insights.

Visa Commercial Solutions (VCS):

• Partner with our VCS FP&A team to support analytics across commercial payments, buyer/supplier flows, pricing,yieldsand growth initiatives within VCS.

Visa Direct:

• Support our Visa Direct FP&A team with analytical insights across transaction and ATS growth by clients/programs, cross-border performances, pricing, and yields.

Data & Tooling:

• Work with large datasets across SQLbased environments, Python/R notebooks, and enterprise data platforms.

• Partner with FP&A, Finance Systems, and Data teams to ensuredata quality, consistency, and scalability.

• Build analytical outputs that feed intoplanning, forecasting, and performance managementprocesses.

• Whereappropriate, automate recurring analyses and calculations to reduce manual FP&A effort.
  

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

Basic Qualifications:

• 5 or more years of relevant work experience with a Bachelors Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD

Preferred Qualifications:

• 6 or more years of work experience with a Bachelors Degree or 4 or more years of relevant experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or up to 3 years of relevant experience with a PhD

• Degree in Statistics, Operations Research, Applied Mathematics, Economics, Data Science, Business Analytics, Computer Science, Finance, or a related technical field

• Extracting and aggregating data from large data sets using SQL/Hive or Spark

• Analyzing large data sets using programming languages such as Python, R,SQLand/or Spark in a modern IDE environment (VSCode,Pycharm)

• Generating and visualizing data-based insights in software such as Tableau or Power BI, or visualization coding frameworks such asGGPlot, Plotly

• Demonstrated ability to translate complex analytics intobusiness and financial insights.

• Comfort working in amatrixed environmentwith multiple senior stakeholders.

• 4+ years' experience in data-based decision-making or quantitative analysis

• Experience supportingFP&A, finance, strategy, or economics teams.

• Familiarity withpayments, financial services, transactionbased businesses, or uniteconomicsdriven models.

• Exposure tomacroeconomic analysis, forecasting, or scenario modeling.

• Experience preparing materials forsenior leadership or executive audiences,communicatingevidence basedinsights, and conveying relevant recommendations

• Experience using Generative programming tools (Claud Code, Codex, CoPilot, etc...)to accelerate development efficiency without over-reliance and loss of applicability

• Data mining and statistical modeling (e.g., regression modeling, clustering techniques, decision trees, etc.)

• Running projects from scoping to delivery, and engaging with internal/external partners

Skills & Attributes:

• Strong analytical curiosity with aproblemfirst mindset.

• Ability to work independently while managingmultiple parallel workstreams.

• Comfortable navigating ambiguity and translating openended questions into structured analyses.

• Clear communicator who can bridge data science, finance, and strategy.

• Highly collaborative and serviceoriented, witha strong senseof ownership.