Product Management Director - Credit Card

USAA•San Antonio, NC

4d•$143,320 - $273,930

About The Position

USAA is hiring a Product Management Director for its credit card business. The role formulates product and sales strategy recommendations using analysis of profitability, competitiveness, sales performance, and other internal and external data. It interprets results to make strategic and tactical recommendations, defines business questions, and develops insights to improve business performance. The position supports existing products and may lead the development and launch of less complex new products with channel partners. The director contributes to product strategy and the product life cycle, including product performance analysis, feature changes, pricing and profitability decisions, product communications, and coordination with alliance and control partners. The role partners across Marketing, Digital, Legal, Compliance, Finance, and Credit Risk, and ensures business risks are identified and managed in accordance with applicable policies and regulations. USAA’s stated mission is to help members achieve financial security through competitive products, exceptional service, and trusted advice, with a focus on the military community and their families. The position’s salary range is $143,320–$273,930; actual pay may vary by location and employees may be eligible for performance incentives. USAA does not provide visa sponsorship for this role. Applications are accepted on an ongoing basis until the position is filled.

Requirements

Bachelor’s degree in Business, Marketing, Supply Chain, or Statistics, or four years of relevant education and/or experience.
Eight years of relevant industry experience in Actuary, Underwriting, Marketing, Sales/Service, Finance/Accounting Operations, or Financial Services.
Three years of product management or similar strategic management experience, including direct support in managing product performance.
Two years of data visualization experience, such as Tableau.
Knowledge of relevant laws and regulations, including FDIC, CFPB, and OCC requirements.
Expert experience creating product briefings and presenting to executive leadership.
Experience using market research to create product roadmaps, make product decisions, and iterate rapidly.
Knowledge of applicable product-related regulations and risk and compliance requirements.
Knowledge of federal laws, rules, and regulations including TILA/Reg Z, SCRA/MLA, Reg B, FCRA, and UDAAP.

Nice To Haves

Strong quantitative foundation in statistical or econometric modeling, elasticity modeling, financial or credit analysis, and forecasting, applied to produce decision-ready recommendations.
Exceptional communication and storytelling ability, including distilling complex analysis into clear visuals and narratives for senior leadership, governance and approval bodies, and non-technical partners.
Demonstrated informal leadership, including setting direction, building consensus, and influencing outcomes across partner teams without formal authority.
Ability to independently translate an ambiguous, forward-looking vision into a concrete, sequenced roadmap with a structured test-and-learn agenda and minimal precedent.
Comfort setting strategic direction with substantial autonomy and ownership.
High intellectual curiosity and comfort operating in ambiguity while balancing quantitative rigor with pragmatic business judgment.

Responsibilities

Use internal and external data and member information to formulate product strategy and improve competitive intelligence.
Develop product dashboards and recommend metrics to analyze and evaluate strategic performance.
Partner with Marketing to define go-to-market and value proposition strategies for products and features.
Recommend new product launches and assess whether to buy, build, or ally.
Serve as a subject-matter expert on product features and services and collaborate with business partners on recommendations.
Analyze product performance metrics and recommend market opportunities and product enhancements.
Lead efforts to expand or change existing product features.
Contribute to product pricing and profitability decisions.
Identify and evaluate potential alliance providers.
Support all aspects of the product life cycle.
Approve and support the development, editing, and distribution of product communications.
Coordinate with Legal, Compliance, Risk Management, and other control partners to ensure products comply with applicable laws and regulations.
Contribute to overall business strategy and collaborate with alliance partners to develop product strategy.
Interpret performance results to inform product or sales forecasting and planning.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.