Terence Mascarenhas

Biography

Terence Mascarenhas is a Senior Director at Visa’s North American innovation advisory practice, Product and Experience Design (PxD). His team uses human-centered design to create innovative payment products and commerce experiences.

Terence is a seasoned leader in innovation consulting and human-centered design, with over 15 years of experience aligning business strategy with user-centric innovation. Before joining Visa in 2024, he led a team at Chime, a leading US neo-bank, improving the financial health of millions of Americans.

Prior to Chime, he spent over a decade at Punchcut, leading high-impact projects for global brands like Google, Disney, Toyota, and Samsung. A California native, Terence moved from Los Angeles to the Bay Area after attending UC Berkeley. He now lives nearby with his wife, two kids, and their black cat, Midnight.