Sr. Director, Product

• Lead the product strategy, vision, and roadmap for Visa Acceptance Solutions' Screening & Decisioning Services. 

• Build and scale a unified screening and decisioning solution that supports merchants from application through decisioning and ongoing monitoring. 

• Establish and execute the product roadmap across merchant onboarding, underwriting, merchant account eligibility, eCheck, BNPL, Instant Payouts, lending, and other risk screening domains. 

• Lead a team of high-performing Product Managers responsible for the end-to-end product lifecycle, from opportunity identification and requirements definition through commercialization, launch, and optimization. 

• Partner with Engineering, Data Science, Risk, Operations, Compliance, Legal, regional teams, and GTM partners to define and execute product strategy and priorities. 

• Define core capabilities including application orchestration, workflow management, decisioning engines, rules management, AI/ML-based decisioning, manual review, exception handling, auditability, governance, APIs, and developer experiences. 

• Drive the evolution of fragmented screening experiences into a configurable, reusable, and extensible solution that can support multiple products, geographies, customer segments, and risk domains. 

• Prioritize investments across a complex portfolio of business opportunities, balancing merchant experience, partner needs, risk outcomes, operational efficiency, and business growth. 

• Represent the Screening & Decisioning Services product function and build influential relationships with senior stakeholders across Product, Technology, Risk, Operations, Sales, and external partners. 

• Develop and execute the long-term commercialization strategy, transforming Screening & Decisioning Services from an internal capability into a standalone SaaS offering for third-party customers and partners. 

• Own the evolution of Screening & Decisioning Services into a standalone commercial business, including service strategy, market positioning, packaging, pricing, business model development, go-to-market alignment, and long-term P&L performance. 

• Establish key performance indicators and success metrics, including approval rates, risk outcomes, decision accuracy, automation rates, time-to-decision, operational efficiency, customer experience, adoption, revenue, and commercial impact. 

• Drive continuous innovation by identifying opportunities to leverage emerging technologies, AI capabilities, alternative data sources, and new decisioning approaches. 

Basic Qualifications 

• 12 or more years of work experience with a Bachelor's Degree or at least 10 years of work experience with an Advanced Degree (e.g., Masters, MBA, JD, MD), or a minimum of 5 years of work experience with a PhD. 

Preferred Qualifications

• 15 or more years of experience with a Bachelor's Degree or 12 years of experience with an Advanced Degree (e.g., Masters, MBA, JD, or MD), or PhD with 9+ years of experience. 

• 8+ years of Product Management experience, including experience leading teams and large-scale platform, SaaS, or services initiatives. 

• 5+ years of people management experience leading Product Managers and building high-performing teams. 

• Experience building or managing onboarding, underwriting, risk, fraud, screening, identity, compliance, decisioning, workflow, or SaaS products. 

• Demonstrated thought leadership and the ability to define product vision, influence strategy, and drive measurable business outcomes. 

• Strong understanding of payments, merchant acquiring, gateways, PSPs, onboarding, underwriting, and risk management ecosystems. 

• Experience leading complex cross-functional initiatives involving Product, Engineering, Data Science, Operations, Risk, Compliance, and Go-To-Market teams. 

• Proven ability to influence senior executives and align stakeholders across multiple organizations and business units. 

• Expert knowledge of the product development lifecycle, including strategy, discovery, prioritization, development, launch, commercialization, and optimization. 

• Executive presence, strong communication skills, and the ability to communicate effectively with both technical and non-technical audiences. 

• Comfortable operating in ambiguity and making decisions with incomplete information while maintaining a strong customer and business focus. 

• Excellent analytical, problem-solving, and strategic thinking skills. 

• Experience in merchant onboarding, merchant underwriting, merchant risk, fraud, lending, BNPL, identity verification, compliance, or related decisioning domains. 

• Experience building AI/ML-powered decisioning, risk, or automation products. 

• Experience launching SaaS products serving enterprise customers through APIs and configurable workflows. 

• Experience managing products with commercialization responsibility, revenue ownership, or P&L accountability. 

• Experience building reusable capabilities that serve multiple products, business units, or external customers. 

• Experience developing product packaging, pricing, commercialization, and go-to-market strategies. 

• Experience building or scaling decisioning, underwriting, fraud, identity, trust, risk, or compliance products within payments, fintech, banking, or software platforms.