Portfolio Optimization Graduate

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.

Pay Transparency

The estimated salary range for a new hire into this position is - 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, Pension, Life Insurance, Annual Leave, and Wellness Program.

Job Description

Visa Consulting & Analytics (VCA) is Visa’s consulting business, helping clients solve strategic challenges through consulting, data and analytics. Within VCA, the Portfolio Optimization team focuses on helping financial institutions improve the performance and growth of their payments portfolios through data-driven strategies and solutions.

As a Portfolio Optimization Graduate, you will join our Central Europe team and combine client-facing consulting work with strategic initiatives that develop and enhance VCA’s Portfolio Optimization solutions. This includes working with client teams on portfolio growth challenges, collaborating with Data Science to improve data-driven solutions, and supporting the development and testing of new approaches and tools across the practice.

Exemplary Portfolio Optimization services include:

• Drive increased card activation and early usage across payment channels, including digital wallets.
• Build focused strategies and segmentation models that deliver higher portfolio performance, domestically and through international spending.
• Design and build loyalty, retention and dormancy customer initiatives.
• Develop new customer value propositions.

Day to day responsibilities of a Portfolio Optimization Graduate:

• Support the delivery of client-facing Portfolio Optimization projects, using data and analysis to identify opportunities to grow and improve clients' card portfolios.
• Analyze and interpret data to develop insights and support recommendations for clients and internal stakeholders.
• Support the development of new VCA solution offerings, working with market teams to turn new ideas into propositions that can be taken to clients.
• Collaborate with VCA's Data Science teams to help develop and improve data-driven solutions for use across European markets.
• Contribute to VCA's industrialization initiatives, including testing new workflows and tools within Portfolio Optimization projects and identifying opportunities to improve how consulting work is delivered.
• Work collaboratively with client-facing teams and internal VCA stakeholders across Central Europe and the wider European organization.
• Adapt to changing business priorities and contribute across client delivery and internal strategic initiatives as your experience develops.

Visa’s Graduate Programme:

This is a program where you are supported with various skills and development sessions throughout your time as a Graduate.

By joining VCA as a Graduate you will:

• Work alongside an experienced and dynamic team, as well as top clients, expanding your knowledge in the payments sector and our consulting practices.
• Gain access to ad hoc training resources such as Buddy, Mentor, your own learning path, project coaching and more to accelerate your career plan, such as Visa University.
• Develop your management consulting skills in a global market leader consulting organization, with top-notch practices.
• Have access to Visa’s Benefits and relocation allowance when applicable.

Pay Transparency
The annual salary for a new hire in this position is EUR 68,875. In addition, this position may be eligible for bonus, equity, and a competitive benefits package.

Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

• Graduating in 2027 and ready to start working full time by October 5th, 2027.
• Oral and written fluency in English and German is required. German is essential for this role given the requirements of key banking clients in the market.
• Full, permanent right to work in Germany. Visa will not provide sponsorship for this role.
• Strong analytical and quantitative skills, interest in technology, consulting and the payments industry
• Ability and motivation to work with data.

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 welcome and encourages application from persons with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Why work here?

If you thrive on rapid growth and enjoy working alongside positive, driven teammates, you’ll feel right at home here.

Help us to uplift everyone, everywhere. Whether you’re starting your career, pushing your capabilities or are a seasoned professional, learn how we can partner to reimagine the world.

About Us

At Visa, we are driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid. Our evolving technology keeps us at the heart of the digital economy, connecting people to 80+ million businesses worldwide. Backed by a resilient, proven model, our expanding network fuels growth—for Visa and for your career.

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Your journey starts here — discover how we hire

Ready to take the next step? Learn more about life at Visa, explore our hiring process and get first-hand insights by hearing directly from our recruiters about what to expect. Apply with confidence today!

Learn our recruiting process