Company Description

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:

We are looking for Versatile, curious, and energetic Software Engineers who embrace solving complex challenges on a global scale. As a Visa Software Engineer, you will be an integral part of a multi-functional development team inventing, designing, building, and testing software products that reach a truly global customer base. While building components of powerful payment technology, you will get to see your efforts shaping the digital future of monetary transactions.

The Work itself:

• Design code and systems that touch 40% of the world population while influencing Visa’s internal standards for scalability, security, and reusability
• Collaborate multi-functionally to create design artifacts and develop best-in-class software solutions for multiple Visa technical offerings
• Actively contribute to product quality improvements, valuable service technology, and new business flows in diverse agile squads
• Develop robust and scalable products intended for a myriad of customers including end-user merchants, b2b, and business to government solutions.
• Leverage innovative technologies to build the next generation of Payment Services, Transaction Platforms, Real-Time Payments, and Buy Now Pay Later Technology
• Opportunities to make a difference on a global or local scale through mentorship and continued learning opportunities

Essential Functions:

• Works directly with product owners to gather and refine requirements across products, adding and taking into account existing tools and solutions across the organization.
• Develops and designs advanced architect solutions that are robust and scalable, considering integrations with other solutions across the internal technical ecosystem.
• Provides domain expertise on the development of technical documentation of solutions and contributes to standard processes in technical documentation as needed.
• Plays a key role in the development and delivery of new features across products from end-to-end.

Responsibilities:

• This is a highly hands-on technical role requiring active contribution to production code, architecture design, and engineering standards.
• The role operates in a fast-paced, iterative environment with close collaboration across product, backend, platform, and security teams.
• Candidates should be comfortable working in evolving problem spaces and contributing to long-term mobile platform direction.
• Strong ownership is expected — from technical design and implementation through release and post-production support.
• The position may require participation in design reviews, sprint demos, and technical strategy discussions.
• Experience working in enterprise-scale environments with high reliability and security standards is highly valued.
• This role may require occasional support during release cycles or production escalations.

This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager.

Qualifications

Basic Qualifications:
8+ years of relevant work experience with a Bachelor’s Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD, OR 11+ years of relevant work experience.

Preferred Qualifications:
9 or more years of relevant work experience with a Bachelor Degree or 7 or more relevant years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3 or more years of experience with a PhD
6–10+ years of professional mobile application development experience.
3+ years of hands-on experience building and shipping production applications using Flutter (Dart)
Experience building scalable, consumer-facing mobile platforms.
Experience designing reusable mobile modules or shared UI component libraries.
Exposure to microservices-based backend ecosystems.
Experience integrating AI-powered APIs or intelligent workflows into mobile applications.
Familiarity with Firebase, AWS, or similar cloud-integrated mobile services.
Experience working in security-sensitive or regulated environments.
Experience mentoring engineers and influencing engineering standards.
Strong proficiency in at least one native platform:
Swift (iOS)
Kotlin (Android)
Demonstrated experience shipping apps through App Store and/or Google Play release cycles
Strong understanding of:
RESTful API integration
JSON parsing and serialization
Secure authentication flows (OAuth 2.0, OIDC, token handling)
Secure storage (Keychain, Keystore, encrypted storage patterns)
Experience implementing modular and scalable architecture patterns (MVVM, Clean Architecture, BLoC, etc.).
Strong debugging skills and experience with performance optimization tools.
Experience with Git-based workflows (GitHub, GitLab, or Bitbucket).
Working knowledge of CI/CD pipelines for mobile build and release automation.
Skills You Bring
Strong hands-on coding ability with high engineering quality standards.
AI-first engineering mindset and comfort using AI-assisted development tools.
Ability to translate ambiguous product requirements into scalable technical solutions.
Ownership mentality — capable of driving features from design through deployment.
Strong collaboration skills across backend, product, design, and security teams.
Clear technical communication and architectural reasoning.
Passion for building performant, secure, and scalable mobile experiences.
The Skills You Bring:
Energy and Experience: A growth mindset that is curious and passionate about technologies and enjoys challenging projects on a global scale
Challenge the Status Quo: Comfort in pushing the boundaries, ‘hacking’ beyond traditional solutions
Language Expertise: Expertise in one or more general development languages (e.g., Java, C#, C++)
Builder: Experience building and deploying modern services and web applications with quality and scalability
Learner: Constant drive to learn new technologies such as Angular, React, Kubernetes, Docker, etc.
Partnership: Experience collaborating with Product, Test, Dev-ops, and Agile/Scrum teams
We do not expect that any single candidate would fulfill all of these characteristics. For instance, we have exciting team members who are really focused on building scalable systems but didn’t work with payments technology or web applications before joining Visa.

Additional Information

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 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.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.

U.S. APPLICANTS ONLY: The estimated salary range for this position is 152,200.00 to 243,700.00 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.