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
As a Senior Client Consulting Manager, you will be responsible for leading and delivering data-driven portfolio strategies to drive customer acquisition, activation, engagement, and incremental spend growth across credit and debit card portfolios. You will partner closely with clients as a trusted advisor, leveraging your expertise in cards portfolio optimization, customer lifecycle management (CLM), and end-to-end campaign management (including strategy, design, and targeting) to deliver measurable business outcomes.
Responsibilities:
- Develop and refine end-to-end strategies to improve KPIs: acquisition, activation, usage, spend per active, retention, cross-/up-sell, attrition reduction, credit losses, and ROI.
- Diagnose performance drivers and recommend segment-level interventions by lifecycle stage.
- Design journeys for onboarding, early engagement, habituation, maturation, retention/win-back; define treatments and test plans (A/B and multivariate).
- Identify friction points and opportunities to accelerate first-use, repeat use, and long-term engagement across digital and partner/merchant channels.
- Translate portfolio objectives into campaign strategies: offer constructs, eligibility, targeting rules, suppression logic, and measurement frameworks.
- Support analytics to size opportunities and forecast impact (propensity, uplift, CLV, attrition, spend elasticities); drive a disciplined test‑and‑learn roadmap.
- Prepare clear documentation and executive‑ready presentations communicating findings and recommendations to senior stakeholders.
- Monitor market trends (rewards, interchange, merchant offers, embedded finance, tokenization, BNPL, digital wallets) and recommend portfolio interventions.
*This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.
Qualifications
- 8-12 years experience in cards/payments, banking, or consulting with hands‑on ownership of cards portfolio optimization, lifecycle programs, and campaign management.
- Experience with offer optimization, rewards strategy, merchant‑funded offers, and partnerships.
- Familiarity with credit risk fundamentals (underwriting policy, line management) and their interaction with spend growth strategies
- Deep understanding of credit/debit card economics (interchange, rewards liability, acquisition cost, NPV/CLV, revolve/repay dynamics) and spend drivers
- Practical knowledge of industry rules and guidelines (card network operating rules, compliance, data privacy, fair marketing practices) and their impact on strategy and campaigns.
- Strong communication and presentation skills, with the ability to translate data insights into clear business recommendations.
- Proven stakeholder management across product, marketing, compliance, and risk; track record of driving cross‑functional outcomes.
- Strong project management; ability to run multiple initiatives, set priorities, and meet deadlines in a fast‑paced environment with disciplined documentation.
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.