Sr Data Scientist

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 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 teams comprising members 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 decision‑making. 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 modeling expertise with a practical understanding of financial drivers, helping advance FP&A’s goal of moving from descriptive reporting toward predictive, diagnostic, and scenario‑based analysis. This role will support multiple high‑impact 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: Apply big data techniques (including artificial intelligence) to analyze high‑volume, high‑granularity datasets across transactions, volumes, pricing, and client behavior. Design and build statistical and econometric models, including regressions, forecasts, scenario analyses, and sensitivity analyses, to explain and predict financial performance. Develop repeatable analytical frameworks (not one‑off analyses) that can be reused across planning cycles, forecasts, and strategic reviews. Translate complex analytical results into clear, executive‑ready narratives for 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 & Macro‑Economic 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, data‑driven cost elasticity and marginal cost analyses, including automated analytical tools and repeatable workflows for monitoring trends and diagnosing underlying drivers. Revenue Analytics & Client Economics: Analyze revenue drivers, pricing dynamics, and client‑level 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, yields and 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 SQL‑based environments, Python/R notebooks, and enterprise data platforms. Partner with FP&A, Finance Systems, and Data teams to ensure data quality, consistency, and scalability. Build analytical outputs that feed into planning, forecasting, and performance management processes. Where appropriate, 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. Qualifications 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, SQL and/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 as GGPlot, Plotly Demonstrated ability to translate complex analytics into business and financial insights. Comfort working in a matrixed environment with multiple senior stakeholders. 4+ years’ experience in data-based decision-making or quantitative analysis Experience supporting FP&A, finance, strategy, or economics teams. Familiarity with payments, financial services, transaction‑based businesses, or unit‑economics‑driven models. Exposure to macroeconomic analysis, forecasting, or scenario modeling. Experience preparing materials for senior leadership or executive audiences, communicating evidence based insights, 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 a problem‑first mindset. Ability to work independently while managing multiple parallel workstreams. Comfortable navigating ambiguity and translating open‑ended questions into structured analyses. Clear communicator who can bridge data science, finance, and strategy. Highly collaborative and service‑oriented, with a strong sense of ownership. U.S. Applicants Only The estimated salary range for this position is $161,400.00 to $ 258,500.00 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. If you thrive on rapid growth and enjoy working alongside positive, driven teammates, you’ll feel right at home here. Help us to uplift everyone, everywhere. Whether you’re starting your career, pushing your capabilities or are a seasoned professional, learn how we can partner to reimagine the world. Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match. At Visa, we are driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid. Our evolving technology keeps us at the heart of the digital economy, connecting people to 80+ million businesses worldwide. Backed by a resilient, proven model, our expanding network fuels growth—for Visa and for your career. Your journey starts here — discover how we hire Ready to take the next step? Learn more about life at Visa, explore our hiring process and get first-hand insights by hearing directly from our recruiters about what to expect. Apply with confidence today! Learn our recruiting process