Senior Software Engineer

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 06-12-2026

Job Description

Visa's Technology Organization is a community of problem solvers and innovators reshaping the future of commerce. We operate the world's most sophisticated processing networks capable of handling more than 65k secure transactions a second across 80M merchants, 15k Financial Institutions, and billions of everyday people. While working with us you'll get to work on complex distributed systems and solve massive scale problems centered on new payment flows, business and data solutions, cyber security, and B2C platforms.

The Opportunity:

We are looking for Versatile, curious, and energetic Software Engineers who embrace solving complex challenges on a global scale. As a Visa Software Engineer, you will be an integral part of a multi-functional development team inventing, designing, building, and testing software products that reach a truly global customer base. While building components of powerful payment technology, you will get to see your efforts shaping the digital future of monetary transactions.

The Work itself:

• Design code and systems that touch 40% of the world population while influencing Visa's internal standards for scalability, security, and reusability
• Collaborate multi-functionally to create design artifacts and develop best-in-class software solutions for multiple Visa technical offerings
• Actively contribute to product quality improvements, valuable service technology, and new business flows in diverse agile squads
• Develop robust and scalable products intended for a myriad of customers including end-user merchants, b2b, and business to government solutions.
• Leverage innovative technologies to build the next generation of Payment Services, Transaction Platforms, Real-Time Payments, and Buy Now Pay Later Technology
• Opportunities to make a difference on a global or local scale through mentorship and continued learning opportunities
• This job will give you an opportunity to innovate and build AI agents.

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
• 2+ years of relevant work experience and a Bachelors degree, OR 5+ years of relevant work experience

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)
• 5 or more years of relevant work experience with a bachelor's degree or 2 years with an Advanced Degree (Masters/PhD in Engineering/Computer Science)
• Self-driven and willing to work across technologies/languages.
• Expert-level skills in Java, Python and NodeJS with skills in C++ and C# is a bonus.
• Experience in building Generative AI applications, conversational AI, RAG architectures, techniques and libraries
• In-depth understanding of NLP including tokenization, word embeddings, and basic sequence models.
• Proficiency in implementing and fine-tuning AI models using popular frameworks (e.g., TensorFlow, PyTorch, scikit-learn)
• Understanding of model compression techniques and their trade-offs
• Awareness of transfer learning concepts and their applications
• Ability to design and implement AI components and integrate them into larger systems.
• Familiarity with common robustness issues in AI systems
• Exposure to leading-edge areas such as Machine Learning, Deep Learning, Stream Computing and MLOps.
• Proficiency in front-end web development technologies like ReactJS/Angular/NodeJS.
• Ability to work with large datasets and perform exploratory data analysis
• Experience with data preprocessing, feature engineering, and model evaluation techniques
• Experience in configuring build and deployment systems Docker, Jenkins, and Kubernetes.
• Expertise in handling multi-threading, concurrency, and error-handling.
• Demonstrated proficiency in troubleshooting, root-cause analysis, application design, and implementing large components for enterprise projects.
• Knowledge of version control, CI/CD pipelines, and best practices for ML model deployment
• Familiarity with deep learning basics, including neural network architectures and training procedures
• Working knowledge using distributed in-memory computing technologies like Redis.
• Understanding enterprise security, certificate management, etc.
• Hands-on experience with Jenkins and container deployment architecture.
• Experience using OAuth2.0, SSO, and authentication methods/protocols.
• Expertise in application security, SSDLC, and knowledge of cryptography fundamentals.
• Experience in the payments tech industry is a plus.
• We do not expect that any single candidate would fulfill all of these characteristics. For instance, we have exciting team members who are really focused on building scalable systems but didn't work with payments technology or web applications before joining Visa

U.S. Applicants Only
The estimated salary range for this position is $110,700.00 to $ 171,800.00 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.

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.