The Payments Technical Product Manager will play a pivotal role in shaping the future of digital and agentic payments, driving innovative product solutions and strategies that leverage both deep domain expertise and cutting-edge generative AI technologies. This individual will be responsible for bridging business requirements and technical execution to deliver scalable, secure, and user-centric payment products. They will collaborate across engineering, data, compliance, and business teams, ensuring robust solution architectures and seamless product delivery in a rapidly evolving ecosystem.

Key responsibilities:

• Solution Architecture & Consulting: Hands-on design and review end-to-end solution architectures for payment products, including integrations with third-party processors, AI platforms, AI agents, payment gateways, risk engines, and compliance frameworks. Engage with partners and clients to review the solutions and troubleshoot the integration issues.
• Requirements & Design: Collaborate with product management and engineering to translate business needs into clear requirements and high-level solution options, including data flows, system interactions, API designs and UX flows. Ensure requirements are complete, actionable, and understood by all stakeholders.
• Technical Delivery: Work closely with engineering teams to ensure scalable and secure integration of payment systems (e.g., APIs, SDKs, partner interfaces). Translate business requirements into technical specifications and oversee implementation, testing, and deployment. Drive resolution of complex technical issues, balancing risk, quality, and time-to-market. Evaluate and implement third-party payment solutions or build in-house capabilities as appropriate.
• Generative AI Adoption: Identify opportunities to integrate GenAI technologies into payment platforms. Understanding of latest trends and technologies such as MCP, Langchain, Langgraph, A2A and other industry innovations which leads to a futuristic solution.
• Compliance & Security: Ensure all payment products meet regulatory requirements (PCI DSS, GDPR, PSD2, etc.) and implement robust security strategies for fraud prevention and data protection.
• Dependency and risk management: Identify and document dependencies and risks early in the process. Coordinate with relevant teams to resolve issues and mitigate risks before work begins.
• Product Enablement: Engage with business product managers and key stakeholders to define and execute product strategy, vision, and roadmap for payment solutions, ensuring alignment with organizational goals and market trends. Monitor trends in fintech, payments, and AI, synthesizing insights to inform product development and differentiation.
• Governance and Reporting: Adhere to Visa’s program governance and reporting best practices. Generate interactive reporting dashboards at all levels from a dev team to senior executives. Prepare and participate in executive reviews and demos.
• Stakeholder Communication: Act as a liaison between technical, business, and external partners, communicating complex concepts in clear, actionable terms.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

This role does not offer immigration or relocation support.

Basic Qualifications:

• 8 or more years of relevant work experience with a Bachelor’s Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD, OR 11+ years of relevant work experience.

Preferred Qualifications:

• 9 or more years of relevant work experience with a Bachelor Degree or 7 or more relevant years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3 or more years of experience with a PhD
• 6 or more years of experience in product management within the payments or fintech domain.
• Strong expertise in solution architecture for payment platforms, including hands-on experience with payment rails, gateways, and APIs.
• Hands-on experience with GenAI platforms and tools (e.g., OpenAI, Google Vertex AI, AWS Bedrock).
• Experience with cloud-native technologies (AWS, GCP, Azure), microservices, and distributed systems is highly desirable.
• Solid understanding of industry standards and regulatory frameworks affecting payments.
• Prior experience in building high-availability, secure, and scalable payment systems.
• Experience working in agile product development and managing cross-functional teams.
• Hands-on system design experience with UML tools. Hands-on experience building workflows, user journeys, sequence diagrams.
• Experience of Fin Tech and/of Payments is added advantage.
• Hands-on with GenAI tools and technologies. Provide thought leadership in building next gen Agentic products.
• Understand engineering practices and have experience delivering complex software products to production.

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 152,200.00 to 243,700.00 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.

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.