Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

We are seeking a talented and motivated Software Engineer to join our VAS Innovation team. As a key member of the team, you will play a critical role in developing cutting-edge solutions, leveraging innovative technologies, and enhancing the capabilities of our Value-Added Services (VAS) platform. 

You will be tasked to quickly grasp and evaluate new ideas and technologies from both internal and external sources and match them appropriately with emerging technology and business opportunities, building a culture of innovation and a drive for excellence. 

Essential functions 

Innovative Development: Engage in the design, development, and implementation of innovative software solutions, including generative AI and modern integration patterns. Contribute to a culture of innovation by actively exploring and applying new ideas and technologies. 

Collaborative Engineering: Collaborate with cross-functional teams to develop and deliver complex projects that integrate emerging technologies with our existing platforms. Work closely with Product Office, Operations & Infrastructure, Cybersecurity, Client Support, and other Product Development teams to build comprehensive solutions. 

Continuous Learning: Engage in continuous learning and development, actively seeking opportunities to enhance your skills and knowledge. Collaborate with peers to share insights and drive team growth. 

Client-Focused Solutions: Develop solutions with a client-centric mindset, ensuring that the VAS platform delivers exceptional value and innovation. Engage with client feedback to refine and improve our offerings. 

API and Integration Development: Contribute to the design and development of APIs that enhance the integration of our Value-Added Services applications, platforms, and solutions. 

Technology Modernization: Participate in the advancement of our modernization roadmap by adopting best-in-class technology solutions for our core platform, expanding our market reach and client base. 

Process Improvement: Continuously assess and improve technology stacks, development processes, and methodologies to enhance productivity, quality, and time-to-market. 

Engineering Excellence: Adhere to industry best practices in software development, emphasizing quality, security, performance, scalability, availability, and resilience. Contribute to the management and reduction of technical debt within projects. 

Automation and Best Practices: Implement best engineering practices and automate software development, testing, and deployment processes. Ensure the timely delivery and maintenance of multiple services, focusing on continuous improvement. 

Incident and Change Management: Support incident management, change, and problem management processes to ensure the high availability and reliability of our services. Participate in root-cause analysis and troubleshooting to resolve issues effectively. 

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

Basic Qualifications:
8 or more years of relevant work experience with a Bachelor 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

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

Self-driven and willing to work across technologies/languages.

Expert-level skills in Java and Python 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

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

Ability to design and implement AI components and integrate them into larger systems
Proven track record of leading AI projects from conception to deployment

Deep understanding of the latest AI research and industry trends

Ability to design and implement full-stack AI systems that integrate with existing business processes

Expertise in advanced machine learning techniques, including:

Deep learning architectures (CNNs, RNNs, Transformers)

Reinforcement learning

Generative models (GANs, VAEs)

Advanced NLP techniques (zero-shot and few-shot learning)

Proficiency in implementing and overseeing efficient deep learning techniques such as: Model pruning and quantization , Knowledge distillation

Parameter-efficient fine-tuning (e.g., LoRA, adapter layers)

Strong knowledge of transfer learning, domain adaptation, and continuous learning strategies

Experience in designing robust AI systems that can handle distribution shifts and adversarial attacks

Ability to lead cross-functional teams and communicate complex AI concepts to non-technical stakeholders

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.

Join us and help shape the future of innovation in digital payments!

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.