Director, Consumer Value Proposition & Growth, China

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

Team Summary

The China Consumer Products team develops credit and debit propositions that help issuers acquire customers, deepen engagement and grow payment usage. The team brings together consumer insights, product capabilities, benefits and issuer partnerships to deliver differentiated experiences across domestic and cross-border payments.

What a Director, Consumer Value Proposition & Growth does at Visa

Develop and commercialize consumer value propositions across credit and debit products. Translate consumer needs and issuer priorities into practical product offerings and growth initiatives, with clear measures of acquisition, activation, engagement and usage.

Consumer Proposition Development

· Identify opportunities through consumer research, portfolio analysis, market trends and issuer feedback.

· Develop propositions by customer segment, product tier and use case, defining the combination of payment features, benefits and service experiences.

· Develop product frameworks and recommendations on features, eligibility, benefits and pricing in partnership with the relevant functional owners.

· Build reusable proposition packages that issuers can adapt to their customer base, economics and distribution channels.

Issuer Engagement and Commercialization

· Work with issuer product teams to refine propositions, build business cases and develop launch plans.

· Support new credit and debit issuance and portfolio migration through clear product positioning and customer value.

· Coordinate with benefits, Marketing, VAS and client coverage teams on proposition delivery and go-to-market execution.

· Partner with Ecosystem Products and platform teams to incorporate relevant wallet, merchant and digital payment experiences.

Growth and Portfolio Performance

· Develop initiatives that improve acquisition, first transaction, ongoing usage and customer retention.

· Establish performance measures covering issuance, activation, spend, engagement, benefit utilization and commercial returns.

· Use portfolio data, consumer feedback and pilot results to identify friction and refine propositions.

· Share successful approaches across issuers while maintaining flexibility for client-specific needs.

Projects you will be a part of

· Credit and debit CVP development for priority consumer segments.

· New product launches and portfolio migration propositions.

· Wallet-linked activation and merchant-linked usage initiatives.

· Issuer growth pilots and proposition optimization.

Why this is important to Visa

A strong consumer proposition gives issuers a reason to choose Visa and consumers a reason to use their cards. This role will connect product development with measurable portfolio growth.

Visa requires at least 4 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

What you will need

· Typically 12+ years of experience in consumer payments, credit/debit products, retail banking or proposition development.

· Demonstrated experience launching consumer products or delivering portfolio growth initiatives.

· Strong understanding of segmentation, card economics, benefits and customer lifecycle management.

· Ability to translate research and data into commercially viable propositions.

· Strong issuer engagement and cross-functional execution skills.

· Excellent written, verbal and presentation skills in Mandarin and English.

What will also help

· Experience across both credit and debit products.

· Familiarity with domestic and cross-border consumer payment needs.

· Experience with experimentation, digital engagement or portfolio analytics.

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 protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.