Director, Product Management - Credit Card

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

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.

What you'll do:

• 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.

Key responsibilities:

• 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

What you have:

• 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.

What sets you apart:

• 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

Compensation range: The salary range for this position is: $143,320 - $273,930.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.