Director, Credit Product Lead, CEMEA

About the role

Visa is looking for a Director, Credit Product Lead for CEMEA (Central Europe, Middle East and Africa) to define and lead its regional credit product agenda. The role works closely with regional and market leadership, Product, Advisory, Analytics, Risk and other partners to accelerate sustainable credit growth across a diverse set of markets, and helps set the priority markets, customer segments and product propositions for the next three to five years.

Key responsibilities

• Own and drive the CEMEA credit product strategy, including market prioritization, segment choices, product roadmap and commercial model with a three-to-five-year growth agenda.
• Drive multiple levers of credit growth across mature and emerging CEMEA markets, including new-to-credit consumers and issuers through instalment-led, secured, ecosystem-based and alternative underwriting models.
• Support clients in building, launching and scaling credit businesses, covering proposition design, acquisition, underwriting and portfolio strategy.
• Develop client upskilling programs combining Visa expertise, data, advisory support and playbooks, tailored to each market's maturity and regulatory context.
• Build market-level opportunity assessments and business cases, then turn them into investment and execution priorities.
• Partner with Country Management, Sales, Product, Consulting, Analytics, Risk, Marketing, Finance, Legal, Government Engagement and regional product teams, and engage senior stakeholders at financial institutions, fintechs and regulators.
• Set performance metrics and governance for the regional credit agenda, track pipeline and portfolio outcomes, and advise CEMEA leadership.
• Act as a trusted advisor and subject-matter expert on card and payments-linked credit, representing CEMEA in global credit product forums.

Required profile

• 12+ years of experience, including 5+ years building and managing cards and payments-linked credit businesses, accountable for strategy, product, portfolio performance and commercial outcomes.
• Bachelor's degree required; an MBA or other relevant postgraduate qualification is preferred.
• Proven track record of leading complex, cross-functional initiatives in a matrixed organization and delivering against demanding timelines.
• Strong client leadership, executive communication and stakeholder influence skills.

Required skills

• Deep understanding of the credit value chain: segmentation, proposition design, acquisition, underwriting, portfolio and line management, pricing, activation, engagement, collections, risk and profitability.
• Strong knowledge of payments economics and lending business P&L.
• Digital fluency, including use of generative AI tools such as ChatGPT and Microsoft Copilot.