Senior Manager, Backend Product Management at 110 Visa U.S.A. Inc. — US - Foster City, CA

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.

Visa will accept applications for this role until at least 07-26-2026

Job Description

Lead execution across the full acquiring lifecycle within Visa Acceptance , focusing on financial processing accuracy, scalability, and lifecycle completeness.

This is a hands-on role responsible for executing backend platform capabilities across the full acquiring lifecycle. The role owns the system of record for clearing, settlement, funding, pricing, disputes, and risk integration, ensuring financial correctness and operational integrity across the platform.

Responsibilities

• Own execution of the end-to-end acquiring lifecycle: boarding → capture → clearing → settlement → funding → reporting
• Define and deliver detailed product requirements, APIs, and data models for transaction lifecycle and financial processing
• Own settlement and funding logic including interchange, fee calculation, net/gross settlement, and adjustments
• Drive reconciliation workflows ensuring consistency between transaction processing, settlement outputs, and reporting
• Define and validate interchange qualification logic, pricing constructs, and funding behaviors across lifecycle
• Partner closely with engineering on system design, architecture, and delivery of scalable platform services
• Identify and resolve financial discrepancies, lifecycle gaps, and data inconsistencies
• Collaborate with Risk, Finance, and Operations teams to ensure compliance and operational readiness
• Enable scalable, standardized capabilities to support multi-acquirer and multi-region deployment
• Use AI/ML, copilots, and agentic tools to accelerate discovery, synthesize requirements, inspect data patterns, summarize operational issues, draft product artifacts, and improve day-to-day execution while maintaining human review and governance

Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

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
• 10+ years of experience in payments or financial platform product/program roles
• Deep expertise in acquiring, clearing & settlement, funding, and reconciliation
• Deep understanding of interchange qualification, merchant pricing hierarchies, and settlement funding methods
• Strong experience defining APIs, financial data models, and transaction lifecycle workflows
• Experience with settlement engines, ledger/accounting systems, or financial platforms
• Experience working with global card schemes (e.g., Visa, Mastercard)
• Experience in multi-region acquiring platforms or partner-integrated environments

Core Competencies:

• Communication: Excellent written and verbal communication skills engaging both technical and non-technical global audiences
• Metrics & Impact Driven: Ability to translate customer needs into measurable business outcomes
• Self-Starter: Highly autonomous and proactive in driving execution in ambiguous environments
• Technical Depth: Strong systems thinking with ability to work with APIs, data, SQL, and engage with senior engineering leaders
• Team Player: Collaborative mindset with a passion for working across diverse teams and sharing knowledge

U.S. Applicants Only

The estimated salary range for this position is $152,200 to $270,800 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.