Product Management Director - Bank

USAA•San Antonio, NC

About The Position

The Product Management Director for the Bank will lead credit card balance forecasting and planning for a major bank portfolio. This role shapes the portfolio’s financial outlook by leading the Card Balances forecast, advancing forecasting methods, delivering portfolio analytics, and informing strategic business and financial planning. The director develops insights into business, economic, product, and member-behavior drivers to help leaders anticipate outcomes and make informed decisions. The role partners with Finance, Product, Marketing, Credit Risk, Decision Science, Data, and other Card Business stakeholders. It connects credit card balance flows—including accounts, sales, purchase volume, payments, and revolving behavior—to portfolio performance and forecasted results. The director also communicates analysis through executive-level narratives, presentations, and recommendations that support portfolio growth, product strategy, financial planning, and long-term decision-making. The position advances analytical capabilities through improved data, models, processes, automation, predictive analytics, machine learning, and artificial intelligence, while ensuring related risks are identified, measured, monitored, and controlled.

Requirements

Bachelor’s degree in business, Marketing, Supply Chain, or Statistics; alternatively, four years of relevant education and/or experience.
Eight years of relevant industry experience in Actuarial, Underwriting, Marketing, Sales and Service, Finance/Accounting Operations, or Financial Services.
Three years of credit card forecasting or similar strategic product management experience, including direct support in managing product performance or financial outcomes.
Experience telling stories using data visualization tools such as Tableau.
Experience creating product briefings and presenting to executive leadership.
Experience using market research to inform forecasts, make product decisions, and iterate rapidly.
Knowledge of applicable banking-industry laws, regulations, risk, and compliance requirements.

Nice To Haves

Bachelor’s degree in finance, economics, statistics, mathematics, data science, business analytics, engineering, operations research, or a related quantitative field.
MBA, Master of Finance, Master of Economics, Master of Statistics, or Master of Data Science.
Driver-based forecasting and financial modeling experience.
Credit card, consumer-lending, or portfolio analytics experience.
Advanced Excel skills.
Scenario, sensitivity, and forecast-to-actual variance analysis experience.
Model validation and driver-level forecast accuracy measurement experience.
Ability to synthesize complex analysis into an executive-level narrative.
Cross-functional stakeholder management experience.
Process improvement, automation, and model governance experience.
SQL, SAS, Python, R, or comparable analytical language skills.

Responsibilities

Lead the Card Balances forecast, providing an integrated, forward-looking view of portfolio performance and financial outcomes.
Develop and advance driver-based and statistical methodologies and scenario assessments to improve forecast accuracy, transparency, and business relevance.
Analyze portfolio performance and turn business, economic, product, and member-behavior drivers into actionable insights about balances and financial outcomes.
Serve as a subject-matter expert on credit card financials and end-to-end balance flows, connecting accounts, sales, purchase volume, payments, revolving behavior, and other portfolio dynamics to forecast results.
Interpret performance and forecast-to-actual results, identify emerging risks and opportunities, and develop scenarios for strategic planning.
Partner with executive management and cross-functional leaders to shape short- and long-term financial outlooks, business goals, and key results.
Translate complex analysis into executive-level narratives, presentations, and recommendations that align stakeholders and support informed decisions.
Advance forecasting and analytical capabilities through improved data, models, processes, automation, predictive analytics, machine learning, and artificial intelligence.
Ensure risks associated with forecasting and analytical capabilities are identified, measured, monitored, and controlled.

Benefits

Comprehensive medical, dental, and vision plans
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off program with paid holidays
16 paid volunteer hours
Wellness programs
Career path planning and continuing education
Employees may be eligible for pay incentives based on overall corporate and individual performance, at the discretion of the USAA Board of Directors.