Product Management Director - Bank

About the role

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

As a Product Management Director for the Bank, you will play a pivotal role on the Credit Card Forecasting and Planning team, shaping the financial outlook for one of the Bank’s most important portfolios. You will lead the Card Balances forecast, advance forecasting methodologies, deliver portfolio analytics, and inform strategic business and financial planning. By developing insights into the key business, economic, and member-behavior drivers of portfolio performance, you will help leaders anticipate future outcomes and make informed decisions. Working closely with Finance, Product, Marketing, Credit Risk, Decision Science, Data, and other Card Business stakeholders, you will translate complex analysis into executive-level narratives and recommendations that support portfolio growth, product strategy, financial planning, and long-term decision-making.

What you'll do:

• Lead the Card Balances forecast, providing an integrated, forward-looking view of portfolio performance and financial outcomes.
• Develop and advance driver-based, statistical methodologies and scenario assessments to improve forecast accuracy, transparency, and business relevance.
• Analyze portfolio performance and translate key 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 forecasted results.
• Interpret performance and forecast-to-actual results, identify emerging risks and opportunities, and develop scenarios that inform 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 compelling executive-level narratives, presentations, and recommendations that align stakeholders and enable informed decisions.
• Advance forecasting and analytical capabilities through improved data, models, processes, automation, predictive analytics, machine learning, and artificial intelligence, while ensuring associated risks are effectively identified, measured, monitored, and controlled.

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 Actuarial, Underwriting, Marketing, Sales and Service, Finance/Accounting Operations or Financial Services.
• 3 years of credit card forecasting or similar strategic product management experience, including direct support in managing product performance or financial outcomes.
• Experience telling stories leveraging data visualization tools (e.g., Tableau).
• Experience creating product briefings and presenting to executive leadership.
• Experienced in market research to inform forecasts, make product decisions and iterate rapidly.
• Knowledge of applicable Banking-industry laws, regulations, risk, and compliance requirements.

What sets you apart:

• 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, 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 a comparable analytical language skills.

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.