Software Engineer - Finance Tech at Visa in 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.

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 experienced AI/ML Engineer to design, build, and scale next-generation artificial intelligence capabilities for Finance Technology, with a focus on the Source-to-Collections ecosystem.

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

This role is expected to be approximately 70% AI/ML-focused engineering and 30% 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 with LLMs, 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, including LLM 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 with 6 months - 2 years of relevant AI/ML, data science, or software engineering experience.

Preferred Qualifications:

• Bachelor’s degree in Computer 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 with Python and Java.
• Experience building backend services using Java, Spring, REST APIs, and enterprise application frameworks.
• Strong foundation in AI/ML concepts, data engineering, NLP, LLMs, and modern software development practices.
• Experience delivering production-grade LLM-based applications, AI agents, RAG solutions, or AI-powered automation platforms.
• Experience with AI/ML frameworks and tools such as TensorFlow, PyTorch, scikit-learn, Hugging Face, MLflow, Docker, Kubernetes, or similar technologies.
• Experience with large-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 with model 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 in AI/ML, data science, cloud AI platforms, or generative AI preferred.

U.S. Applicants Only

The estimated salary range for this position is $97,800.00 to $ 152,100.00 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.