Sr. Software Engineer

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 The Opportunity We are seeking a talented and motivated Senior Software Development Engineer to join our Payments Products Development 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 platforms. You will quickly grasp and evaluate new ideas and technologies from internal and external sources, then match them to emerging technology and business opportunities while helping build a culture of innovation and engineering excellence. Essential Functions: AI-Enabled Innovative Development: Design, develop, and implement innovative software solutions using generative AI, conversational AI, RAG, and modern integration patterns. Explore new technologies and translate relevant ideas into secure, scalable business solutions. AI System Engineering: Design and integrate AI components into larger platforms, including data preparation, model evaluation, deployment, monitoring, and continuous improvement. Address robustness, quality, security, and operational reliability throughout the lifecycle. Collaborative Engineering: Collaborate with cross-functional teams to deliver complex projects that integrate emerging technologies with existing platforms. Work closely with Product Office, Operations & Infrastructure, Cybersecurity, Client Support, and Product Development teams. Continuous Learning: Actively expand knowledge of generative AI, machine learning, modern engineering practices, and emerging technologies. Share learning with peers and contribute to team growth. Client-Focused Solutions: Develop solutions with a client-centric mindset, ensuring Payment Product platforms deliver exceptional value and innovation. Use client feedback to refine and improve offerings. API and Integration Development: Contribute to the design and development of APIs that enhance integration across Payment Product applications, platforms, AI services, and solutions. Technology Modernization: Advance the modernization roadmap by adopting best-in-class technology solutions for core platforms, expanding market reach and client impact. Process Improvement: Continuously improve technology stacks, development processes, and methodologies to enhance productivity, quality, and time to market, including responsible use of AI-assisted engineering tools. Engineering Excellence: Follow industry best practices in software development, emphasizing quality, security, performance, scalability, availability, resilience, and reduction of technical debt. Automation and Best Practices: Automate software development, testing, deployment, and maintenance processes. Use AI-generated outputs as accelerators while applying rigorous engineering review and verification. Incident and Change Management: Support incident, change, and problem management processes. Participate in root-cause analysis and troubleshooting to sustain high availability and service reliability. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager. Qualifications Basic Qualifications: 2+ years of relevant work experience and a Bachelors degree, OR 5+ years of relevant work experience Expert-level skills in Java, Python, and Node.js; experience with C++ or C# is a plus. Experience building Generative AI applications, conversational AI solutions, retrieval-augmented generation (RAG) architectures, and related techniques, tools, and libraries. Preferred Qualifications: 3 or more years of work experience with a Bachelor’s Degree or more than 2 years of work experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) Self-driven, adaptable, and willing to work across technologies and programming languages. Strong understanding of natural language processing concepts, including tokenization, word embeddings, and sequence models. Proficiency implementing and fine-tuning AI and machine learning models using frameworks such as TensorFlow, PyTorch, or scikit-learn. Understanding of machine learning and deep learning fundamentals, including neural network architectures, training procedures, transfer learning, model compression, and associated trade-offs. Ability to design, implement, and integrate AI components into larger enterprise systems. Familiarity with common robustness, reliability, security, and responsible-use considerations in AI systems. Experience working with large datasets, exploratory data analysis, data preprocessing, feature engineering, and model evaluation techniques. Exposure to leading-edge areas such as machine learning, deep learning, stream computing, MLOps, and modern AI integration patterns. Proficiency in front-end web development technologies such as React, Angular, and Node.js. Experience configuring build and deployment systems such as Docker, Jenkins, and Kubernetes. Expertise in multithreading, concurrency, and error handling. Demonstrated proficiency in troubleshooting, root-cause analysis, application design, and implementing enterprise-scale components. Knowledge of version control, CI/CD pipelines, and best practices for application and ML model deployment. Working knowledge of distributed in-memory computing technologies such as Redis. Understanding of enterprise security, certificate management, and related practices. Hands-on experience with Jenkins and container deployment architecture. Experience with OAuth 2.0, SSO, and authentication methods or protocols. Expertise in application security, SSDLC, and cryptography fundamentals. Experience applying AI-assisted engineering practices while independently validating generated code, tests, documentation, and technical recommendations. Experience in the payments technology industry is a plus. The Skills You Bring: Energy and Experience: A growth mindset, curiosity about technology, and enthusiasm for challenging projects on a global scale. Challenge the Status Quo: Comfort pushing boundaries and exploring solutions beyond traditional approaches. Language Expertise: Expertise in one or more development languages such as Java, Python, Node.js, C#, or C++. AI Builder: Experience building and deploying Generative AI, conversational AI, RAG, machine learning, modern services, and web applications with quality and scalability. Critical AI Judgment: Ability to evaluate AI-generated code and recommendations, identify failure modes, and apply independent engineering judgment. Learner: A consistent drive to learn technologies such as GenAI, machine learning, Angular, React, Kubernetes, and Docker. Partnership: Experience collaborating with Product, Test, DevOps, Cybersecurity, and Agile/Scrum teams. Information for US Applicants For roles located in the US, the estimated salary range for this position is $112,100 to $204,000 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