Director, Product Management - Credit Card

USAA•San Antonio, NC

1d•Hybrid

About The Position

In the role of Director, Product Management – Credit Card, you will own the end-to-end acquisition engine for the credit card business. The role is responsible for driving profitable growth in member and new-to-bank card acquisition across paid and organic channels, aligning marketing, partner strategy, underwriting, product, analytics, and operations to consistently convert demand into approved, activated, and high-quality customers. This leader will also manage a team of individual contributors responsible for formulating product/sales strategy recommendations based on analysis of profitability, competitiveness and sales performance for the product life cycle. Compile, analyze and interpret data to make strategic and tactical recommendations or decisions pertaining to sales/product performance. Be responsible for defining the business questions and providing insights to improve business performance. Support the maintenance of existing products and/or may lead in the development and launch of less complex, new products with channel partners. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. This role may be remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site 4 days per week. Relocation assistance is not available for this position.

Requirements

Bachelor's degree in Business, Marketing, Supply Chain, or Statistics; OR 4 years of relevant education and/or experience.
8 years of relevant industry experience in Actuary, Underwriting, Marketing, Distribution or Sales/Service or Finance/Accounting Operations or Financial Services.
4 years of product management, or similar strategic management experience (similar experience includes direct support in managing product performance).
3 years of direct team lead or management experience.
3 years of Data Visualization experience (i.e. Tableau).
Knowledge of relevant laws and regulations (i.e. FDIC, CFPB, OCC).
Have experience Owning, Forecasting, and Managing a Product P&L.
Be experienced in market research to create product roadmap, make product decisions and iterate rapidly.
Have expert knowledge of applicable product related regulations and, risk and compliance requirements.
Have knowledge of federal laws, rules, and regulations to include: TILA/REG Z, SCRA/MLA (given our demographic), Reg B, FCRA, UDAAP.

Nice To Haves

12+ years of experience in credit card acquisition, consumer growth, or digital financial services, with a proven record of building and scaling acquisition programs
Deep expertise in the end-to-end credit card acquisition funnel, including prospecting, lead generation, conversion, underwriting, approval, activation, and early performance
Strong understanding of channel strategy and performance marketing across digital, direct, partner, and outbound acquisition models
Experience managing acquisition economics including CAC, CPA, conversion efficiency, approval rate, and funded account quality
Demonstrated ability to lead cross-functional execution across marketing, product, analytics, risk, operations, and technology
Strong knowledge of customer acquisition strategies for credit products, including segmentation, offers, testing, targeting, and conversion optimization
Proven track record of delivering profitable growth in competitive, regulated consumer markets
Experience with CRM, marketing automation, customer segmentation, and attribution models is highly valued
Strong understanding of regulatory considerations, compliance, and responsible growth principles in financial services
Excellent executive communication, strategic thinking, and ability to influence senior stakeholders
US military experience gained through military service or gained as a military spouse / domestic partner

Responsibilities

Be responsible for communicating and promoting the product value proposition to Distribution organization.
Ensure product team delivers sales support to all distribution channels (e.g., .com, mobile, contact center) so that the product is properly positioned to customers (sales tool and collateral development, sales training, etc.).
Develop new product or sales offerings and enhanced features/services to existing product or sales offerings.
Lead research, analysis and evaluate performance metrics to drive recommendations for market opportunities or product enhancements.
Leverage resources to gather data and member information to support formulation of product strategy and acquire competitive intelligence.
Partner with appropriate stakeholders to develop communications for product and pricing strategies to key stakeholders and committees within the respective Function, Line of Business, and across the association.
Build and oversee a team of employees for assigned functional area through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities.
Interpret performance results to inform product or sales forecast and planning.
Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
Own the acquisition strategy and operating plan for consumer credit card growth across all channels, including digital, partner, direct mail, retail, branch, and performance marketing
Build and optimize the full funnel from demand generation to approval, funding, activation, and early spend
Drive acquisition performance against key metrics such as approval rate, conversion, CPA/CAC, cost per funded account, activation, and early portfolio quality
Partner with product, underwriting, marketing, data, and analytics teams to improve targeting, offer strategy, application experience, and funnel conversion
Partner with marketing to develop and prioritize channel mix, creative strategy, media investment, and partner relationships to maximize profitable acquisition
Lead acquisition planning, execution, and measurement with a strong bias toward accountability and continuous optimization
Work closely with risk and operations to improve application decisioning, fraud controls, and onboarding efficiency without compromising quality
Partner with finance and leadership to connect acquisition investment to long-term value and portfolio economics
Create executive-level reporting and strategic recommendations on wins, gaps, and opportunities across the acquisition engine