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 Visa’s Post Purchase organization is building AI-driven decision intelligence across dispute resolution and recovery products, including RDR, CDRN, VDRN, and Recover. We are seeking a Senior Data Scientist to contribute to high-impact machine learning initiatives that improve automation, recovery outcomes, and client experience at global scale. This is a Senior-level individual contributor role for someone who thrives in ambiguity, owns complex problem spaces, and drives solutions from concept through production with measurable business impact. You will work with large-scale transactions and dispute data to develop models that enhance decision quality and enable scalable, intelligent systems. Key Responsibilities Support machine learning and analytics initiatives across dispute decisioning, merchant matching, and recovery analysis Assist in the development of ML lifecycle components, including data preparation, feature engineering, model training, and evaluation Analyze large-scale transaction and dispute datasets to identify trends, patterns, and opportunities Collaborate with Product, Engineering, and Data Engineering teams to translate business requirements into analytical solutions Contribute to model performance tracking, validation, and reporting Support experimentation efforts by helping design, execute, and analyze tests Assist in documenting models, methodologies, and results to support transparency and adoption Stay current on emerging tools and techniques, including AI/ML and GenAI, and apply them where appropriate What Sets This Role Apart Opportunity to work on high-impact datasets within Visa’s Post Purchase ecosystem Exposure to AI/ML applications in real-world payment and dispute systems Collaboration with experienced Data Scientists, Engineers, and Product teams Ability to contribute to scalable solutions that improve automation and decision-making This is a hybrid position. The number of in-office days will be confirmed by the hiring manager. Qualifications Basic Qualifications 2+ years of relevant work experience with a Bachelor’s degree, OR 5+ years of relevant work experience Master’s graduates must have 2+ years of relevant work experience to qualify Exposure to data science, analytics, or machine learning concepts Preferred Qualifications Bachelor’s or Master’s degree in Computer Science, Statistics, Mathematics, or a related quantitative field Experience applying data analysis or entry-level ML techniques to business problems Proficiency in Python or R, and SQL for data analysis Familiarity with data processing tools or frameworks (e.g., Spark, Hive) Understanding of basic machine learning concepts and evaluation methods Exposure to experimentation or A/B testing methodologies is a plus Ability to work collaboratively in cross-functional environments Strong problem-solving and communication skills U.S. Applicants Only The estimated salary range for this position is $123,700.00 to $ 191,300.00 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.