Job Description

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.

Job Description

Visa Consulting and Analytics (VCA) is the consulting arm of Visa, and drives tangible, impactful results for clients. Drawing on our expertise in consulting, data analytics, technology, payments and economics, VCA solves the most strategic problems for our clients. VCA's core client segments include issuers, acquirers, merchants, fintechs, payment enablers and governments.

The Intelligence & Data Solutions (IDS) team at VCA consists of data scientists, analysts, and engineers who provide analytics solutions. Their goal is to leverage VisaNet, one of the largest datasets globally, to help clients enhance their performance and increase profitability.

What a Data Scientist, VCA does at Visa: We are looking for a Data Scientist to join our VCA team in Malaysia. This role requires transforming raw data into actionable insights that drive business strategies, improve execution and performance of the full cardholder lifecycle.

The ideal candidate will work closely with Visa’s clients to gather and manage project inputs, analyze data to form conclusions and recommendations, execute and analyze results to improve outcomes.

Specific Responsibilities include

Lead, execute, and deliver data science projects for Visa's key clients.
Develop project scopes, methodologies, and implement solutions using appropriate tools.
Understand the Client’s current initiatives and priorities and align with key stakeholders
Manage and deliver analytics projects from conception to completion with actionable insights and recommendations
Gather and analyze data from VisaNet (i.e., Visa’s transaction data), client’s owned data and 3rd party data sources to understand customer behavior, preferences and trends to help business develop business strategies, optimization activities and improvement of products, marketing techniques
Maintain quality control and documentation for projects.
Innovate with Visa's and client data to meet needs.
Clearly communicate the findings and recommendations from analysis, drive deployment and implementation of analytics solutions, and track business value impact
Independently develop and articulate a compelling storyline with clear insights and actionable recommendations for clients
Actively seek out opportunities to innovate by using non-traditional data and new modelling techniques fit for purpose to the needs of our clients
Structure documents and project deliverables leveraging data insights and client inputs
Foster thought leadership and innovation in data science.
Manage communication with clients and stakeholders.
Identify opportunities for innovation using new techniques.
Build visualization capabilities to address client problems.
Identify market trends through deep analysis of payment industry information.
Manage the transfer of technical knowledge for business solution implementation.
This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.
Client Management:
Manage and take ownership of all data-related client deliverables and discussions
Navigating complex team dynamics
Work independently, seeking guidance as needed while ensuring ownership
Influence multiple teams they work with or lead

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

Qualifications

Basic Qualifications:

5+ years of relevant work experience with a Bachelor’s 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, OR 8+ years of relevant work experience.

Preferred Qualifications

5+ years of relevant work experience with a Bachelor’s 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, OR 8+ years of relevant work experience.

8+ or more years of relevant work experience with a Bachelor's Degree or at least 4 years of work experience with an Advanced degree (e.g. Masters, PhD)

Hands-on experience in applying data analytics and modeling to solve business problems in banking, payment, or related industries

Data extraction skills –

Proficient in writing complex SQL queries for data extraction and manipulation

Ability to handle and process large datasets efficiently

Experience with big data technologies such as Apache Hive and Spark

Programming, data analytics and modeling skills –

Proficient in Python

Ability to write efficient, clean, and maintainable code

Experience with Python libraries for data analytics and modeling, such as Pandas, Numpy, Scikit-learn, Tensorflow / Keras / PyTorch

Strong understanding of statistical analysis and data visualization techniques

Machine Learning techniques –

Good understanding and practical experience with supervised learning algorithms (including Linear / Logistic Regression, Random Forest, Gradient Boosting Machines), clustering algorithms (including K-Means, GMM), neural networks and deep learning architectures

Skilled in building and evaluating machine learning models using scikit-learn

Knowledge of the payment industry, retail banking landscape, risk analytics, and regulatory changes in the Malaysia is strongly preferred

Excellent project management skills as this role involves handling multiple workstreams and stakeholders simultaneously

Strong team orientation, collaborative, flexible, with the ability to work in a matrixed organization

Excellent oral and written presentation skills, able to communicate complex technical information clearly

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.