Lead Software Engineer - Agentic Systems (AI Concierge)

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.

The Lead Software Engineer will provide senior technical leadership in building and scaling Affluent Charter’s benefit discovery and redemption platforms, delivering intuitive, reliable, and high‑performance digital experiences for customers and partners. This role blends deep hands‑on engineering expertise, architectural ownership, and cross‑functional leadership, ensuring complex benefit ecosystems are transformed into simple, customer‑centric experiences.

This position is ideal for a seasoned engineer with a strong product mindset, extensive experience designing distributed systems, and a passion for mentoring teams while remaining close to the code.

Key Responsibilities:

Platform & Architecture Leadership:

• Lead the architecture, design, and implementation of benefit discovery and redemption services across web, mobile, and partner integrations.
• Own the technical roadmap for scalable benefit catalogs, eligibility determination, redemption flows, and fulfillment systems.
• Ensure platforms meet high standards for performance, reliability, security, and maintainability.
• Drive architectural decisions that balance rapid iteration with long‑term platform evolution.

Engineering Execution & Mentorship:

• Act as a senior technical leader and hands‑on contributor across core platform initiatives.
• Mentor and guide engineers across teams in a matrixed organization, setting standards for design, code quality, and delivery.
• Decompose complex initiatives into executable work and ensure alignment across multiple teams.
• Promote best practices in system design, testing strategies, observability, and documentation.

Partner & Integration Enablement:

• Lead complex integrations with benefit providers, merchants, and technology partners.
• Solve multi‑system challenges spanning identity, eligibility logic, redemption workflows, reconciliation, and reporting.
• Serve as the primary technical escalation point for high‑impact partner and customer integrations.
• Translate business, product, and regulatory requirements into robust technical solutions.

Quality, Process & Scale:

• Define and evolve engineering and integration standards aligned with enterprise and fintech best practices.
• Build and improve simulation, sandbox, and integration testing tools to accelerate development and partner onboarding.
• Ensure compliance with security, privacy, and operational requirements.
• Deliver against platform reliability, performance, and experience KPIs.

Customer & Product Advocacy:

• Represent customer needs within engineering, advocating for clarity, simplicity, and exceptional user experience.
• Incorporate feedback from customers, partners, and internal teams into continuous improvements.
• Collaborate closely with product, design, and support teams to ensure technical execution meets experience goals.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Basic Qualifications:

10+ years of relevant work experience with a Bachelor’s Degree or at least 7 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 4 years of work experience with a PhD, OR 13+ years of relevant work experience.

Preferred Qualifications:

12 or more years of work experience with a Bachelor’s Degree or 8-10 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 6+ years of work experience with a PhD

Bachelor’s or Master’s degree in Computer Science, Engineering, or equivalent experience.

12+ years of professional software engineering experience, including significant time in senior or lead engineering roles.

Proven track record designing and delivering large‑scale, customer‑facing platforms.

Technical Expertise:

Deep experience designing and consuming APIs and distributed services (REST, JSON, OAuth).

Strong understanding of web technologies (HTTP, HTML, JavaScript, CSS).

Experience with mobile platforms, SDKs, and integration testing tools (e.g., Appium).

Proficiency in one or more modern programming languages and paradigms, with a strong foundation in object‑oriented design.

Experience with CICD pipelines, release management, and tooling (e.g., JIRA, Jenkins, Maven or equivalents).

Domain experience in payments, loyalty, benefits, eCommerce, or fintech platforms is highly desirable.

Professional Attributes:

Exceptional analytical and problem‑solving skills.

Clear, confident communicator with both technical and non‑technical stakeholders.

Comfortable working with external partners and influencing across teams without direct authority.

Self‑directed leader who thrives in fast‑paced, agile environments.

Passion for building best‑in‑class customer experiences at scale.

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 192,300.00 to 307,600.00 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.