Credit Underwriter Mid-Market/Enterprise

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.

The Credit Underwriter will become an expert on all aspects of our Bundled Acquiring services and engage cross functionally as a “go-to person”.

Responsibilities include:

• Applying appropriate underwriting criteria to prospective merchant applications in accordance with credit policy to ensure financial exposure is appropriately mitigated.
• Support overall business needs by ensuring Underwriting group makes quality credit decisions within published SLAs.
• Underwrite merchants for both our Enterprise and Small Business platforms.
• Team with Sales and Acquiring Partners in order to provide a seamless experience to prospective merchants.
• Perform periodic reviews of existing merchants in an effort to manage overall risk.
• Work with Sales and Account Management on quantitative and qualitative understanding of merchant’s acceptance costs and processing effectiveness.
• Take an active role within CyberSource to identify and recommend for approval process/policy changes to make the group more effective.
• Contribute, as needed, to ongoing projects for the Bundled Acquiring Group.

This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager.  ​

Basic Qualifications:

• 2 or more years of work experience with a Bachelor’s Degree or an Advanced Degree (e.g. Masters, MBA, JD, MD, or PhD)

Preferred Qualifications:

• 3 or more years of work experience with a Bachelor’s Degree or more than 2 years of work experience with an Advanced Degree (e.g. Masters, MBA, JD, MD)
• 3-5 years’ experience with credit underwriting
• Bachelor’s degree in finance, Economics or Accounting (or 5 years of relevant experience)
• Previous experience with Merchant Acquiring or Credit Card processing is a plus
• Signing authority over risk exposure commensurate with job level and product offering
• Expert knowledge and experience with financial analysis, including the ability to review and understand financial statements of both small- and large-sized companies which encompass financial modeling and calculation of key ratios
• Excellent quantitative and Excel skills
• Comfortable with and influential on outbound calls and in engaging with internal and external parties at all levels of an organization
• Strong written and verbal communication skills

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 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.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.

U.S. APPLICANTS ONLY: The estimated salary range for this position is 83,900.00 to 130,400.00 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.