Something is rotten in the state of Denmark....
Pros
There are some amazing people at Visa. Most of the people I knew who were though, weren't given nearly the credit they deserved. Many had been there a long time and understood the payments industry in a profound way. Bringing in new talent can be a great boon to a business trying to lead on the edge. But respect the brains that got you there in the first place, and make external hiring and internal promotion both options for building a strong executive team. It's an exciting industry and the outlook for Visa in the years to come is solid. There are many competitors vying for the rich profits in this space, but the brand is extremely strong and I can't imagine a scenario where they don't exist. That's not something you can say about all companies in this arena.
Cons
"Innovation distinguishes between a leader and a follower," (Steve Jobs) and Visa needs to LEAD. I mean really think up new approaches. They have the resources, and I'm not sure why it isn't happening. I can't quite put my finger on what is wrong with the culture at Visa, but something is. As the Peter Drucker attributed saying goes, "Culture eats strategy for breakfast," and something needs to change within the inner framework of the company. When you walk the floors, people don't seem to be connected to one another. There isn't an open, collaborative and collegial approach to work in many cases. And that will have to change to make Visa viable in the long term, because that does exist at the competition.