Software Engineer - Finance Tech

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 Technology Organization is a community of problem solvers and innovators reshaping the future of commerce. We operate the world's most sophisticated processing networks capable of handling more than 65k secure transactions a second across 80M merchants, 15k Financial Institutions, and billions of everyday people. While working with us you'll get to work on complex distributed systems and solve massive scale problems centered on new payment flows, business and data solutions, cyber security, and B2C platforms.

The Opportunity:

Visa is seeking an experiencedAI/ML Engineerto design, build, and scale next-generation artificial intelligence capabilities forFinance Technology, with a focus on theSource-to-Collections ecosystem.

This role is centered on developingLLM-based applications, intelligent agents, AI-powered automation, scalable machine learning pipelines, and generative AI solutionsthat improve productivity, decision-making, process intelligence, and operational efficiency across Sourcing and Collections.

This role is expected to be approximately70% AI/ML-focused engineeringand30% core application development, automation, and platform integration.

The Skills You Bring

AI/ML Engineering Mindset

You bring hands-on experience designing, building, testing, and deploying AI capabilities that solve real enterprise problems. You understand how to move from experimentation to production while balancing performance, reliability, security, and business value.

Generative AI Expertise

You are comfortable working withLLMs, prompt engineering, embeddings, RAG architectures, intelligent agents, vector databases, model APIs, and orchestration frameworks. You understand how to evaluate LLM outputs, reduce hallucinations, and build reliable AI experiences.

Enterprise Builder Mentality

You have experience developing scalable backend services, APIs, data pipelines, web applications, and cloud-native solutions. You can integrate AI capabilities into existing enterprise systems while maintaining strong engineering discipline.

Data and Process Intelligence

You understand how to work with structured and unstructured data, extract insights, automate workflows, and design AI solutions that improve operational decision-making across finance processes.

Innovation and Curiosity

You challenge existing processes and look for opportunities to apply AI, automation, and intelligent systems in practical, measurable ways.

Collaboration and Communication

You can work effectively with product owners, engineers, architects, finance stakeholders, and leadership. You can explain technical AI concepts clearly and translate business problems into AI-enabled solutions.

Continuous Learning

You stay current with emerging AI/ML technologies, includingLLM frameworks, agentic AI, vector databases, cloud AI services, model evaluation methods, Kubernetes, Docker, modern frontend frameworks, and scalable application architectures.

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

Qualifications

Basic Qualifications:

• Bachelor's degree with6 months - 2 years of relevant AI/ML, data science, or software engineering experience.

Preferred Qualifications:

• Bachelor's degree inComputer Science, Information Systems, Engineering, Data Science, Artificial Intelligence, Machine Learning, or a related field.
• 2 years of experience in a software engineering, AI engineering, machine learning engineering, or data engineering role.
• Hands-on development experience withPython and Java.
• Experience building backend services usingJava, Spring, REST APIs, and enterprise application frameworks.
• Strong foundation inAI/ML concepts, data engineering, NLP, LLMs, and modern software development practices.
• Experience delivering production-gradeLLM-based applications, AI agents, RAG solutions, or AI-powered automation platforms.
• Experience with AI/ML frameworks and tools such asTensorFlow, PyTorch, scikit-learn, Hugging Face, MLflow, Docker, Kubernetes, or similar technologies.
• Experience withlarge-scale data processing, distributed systems, cloud-native architectures, and enterprise data platforms.
• Demonstrated ability to build scalable AI pipelines and integrate models into real-time or near-real-time enterprise systems.
• Proven track record delivering AI/ML or generative AI projects with high quality and timely execution.
• Experience withmodel evaluation, AI safety testing, hallucination mitigation, prompt/version management, guardrails, monitoring, and continuous improvement.
• Experience ensuring AI solution quality through rigorous testing, validation, data quality checks, scalable ingestion frameworks, and observability.
• Experience optimizing AI/ML application performance, including latency, cost, throughput, accuracy, reliability, and scalability.
• Ability to measure and demonstrate productivity, operational, or business improvements through clear metrics and reporting.
• Strong communication skills with the ability to explain complex AI concepts to technical and non-technical audiences.
• Experience working with finance, procurement, sourcing, billing, collections, accounting, or enterprise business applications.
• Experience collaborating across global, diverse, inclusive, and cross-functional teams.
• Ability to manage multiple concurrent assignments across AI engineering, automation, and application development.
• Advanced degree or certifications inAI/ML, data science, cloud AI platforms, or generative AIpreferred.

U.S. Applicants Only

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