Director, Product Management - Credit Card
USAA · Phoenix, AZ · 1 mo ago
$143k–$274k/yrFull-time
We need to output HTML fragment with sections: About the role? The posting includes "Why USAA?" intro, "The Opportunity", "What You'll Do", "Key Responsibilities", "What You Have", "What Sets You Apart", "Compensation range", "Benefits". Also location info, schedule (flexible work environment 4 days per week, remote eligible). Must not repeat job title. Must not include boilerplate like EEO, legal, application instructions. Must not include sections with placeholder text. Must include only sections with real content.
We need to decide headings: Use for section headings (e.g., About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). We can choose appropriate headings based on content.
We have:
- About the role: maybe "Why USAA?" and "The Opportunity" combined? Could be "About the role". Provide description.
- Responsibilities: "What You'll Do" and "Key Responsibilities". Could combine.
- Requirements/Qualifications: "What You Have" and "What Sets You Apart" maybe qualifications and preferred.
- Skills: maybe not separate; could embed.
- Benefits: Benefits section.
- Pay: Compensation range.
- Schedule: Work schedule info (flexible, 4 days per week, remote eligible, location).
We must not create sections with filler like "commensurate with experience". We have actual content.
We must not repeat job title. Not include Job ID.
We must remove boilerplate: EEO, visa sponsorship note? The visa sponsorship note is maybe not boilerplate but it's a condition; but it's about immigration support. Might be considered legal? It's a specific condition: "USAA does not provide visa sponsorship for this role. Please do not apply...". This is like a disclaimer; maybe we should remove as it's akin to application instruction? It's not exactly application instruction but it's a restriction. The instruction says remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate. Visa sponsorship note could be considered legal. Safer to remove.
Also "Applications for this position are accepted on an ongoing basis..." is application instruction; remove.
Also "USAA is an Equal Opportunity Employer..." remove.
Also "The above description reflects the details considered necessary..." maybe boilerplate; remove.
We need to preserve all substantive information: location list, schedule details, compensation range, benefits list, responsibilities, qualifications, etc.
Let's extract substantive content:
Why USAA? paragraph: mission, core values, support military spouses, remote/hybrid flexibility.
The Opportunity: description of role responsibilities (own end-to-end acquisition engine, drive profitable growth, manage team, compile/analyze data, define business questions, support maintenance/existing products, lead development/launch of less complex new products with channel partners).
What You'll Do: list of duties (communicate product value proposition, ensure product team delivers sales support, develop new product/sales offerings, lead research/analysis, leverage resources, partner with stakeholders, build/oversee team, interpret performance results, ensure risks identified etc.)
Key Responsibilities: bullet list (own acquisition strategy, build funnel, drive acquisition performance, partner with teams, partner with marketing, lead acquisition planning, work with risk/operations, partner with finance/leadership, create executive reporting).
What You Have: bullet list of qualifications (Bachelor's degree OR 4 years relevant education/experience, 8 years relevant industry experience, 4 years product management, 3 years direct team lead, 3 years Data Visualization (Tableau), knowledge of laws/regulations, experience owning/forecasting/managing product P&L, market research experience, expert knowledge of product related regulations/risk/compliance, knowledge of federal laws (TILA/REG Z, SCRA/MLA, Reg B, FCRA, UDAAP)).
What Sets You Apart: bullet list of preferred qualifications (12+ years experience in credit card acquisition, deep expertise in funnel, channel strategy, acquisition economics, lead cross-functional execution, knowledge of customer acquisition strategies, proven track record delivering profitable growth, experience with CRM/marketing automation/segmentation/attribution models, understanding of regulatory considerations, excellent executive communication, strategic thinking, influence senior stakeholders, US military experience).
Compensation range: $143,320 - $273,930. Also note about salary based on experience, location variation, pay incentives.
Benefits: comprehensive medical/dental/vision, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, various wellness programs, career path planning, continuing education.
Schedule/Location: flexible work environment requiring office 4 days per week; positions based in San Antonio, TX; Plano, TX; Phoenix, AZ; Colorado Springs, CO; Charlotte, NC; Tampa, FL. Role may be remote eligible in continental US with occasional business travel. Individuals residing within 60-mile radius of a USAA office expected to work on-site 4 days per week. Relocation assistance not available.
We should not include "Relocation assistance is not available" maybe it's substantive; keep.
We must not create sections with placeholder text. All sections have content.
We need to output HTML fragment only, no /. Use
for section headings (e.g., About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). We can choose appropriate headings based on content.
We have:
- About the role: maybe "Why USAA?" and "The Opportunity" combined? Could be "About the role". Provide description.
- Responsibilities: "What You'll Do" and "Key Responsibilities". Could combine.
- Requirements/Qualifications: "What You Have" and "What Sets You Apart" maybe qualifications and preferred.
- Skills: maybe not separate; could embed.
- Benefits: Benefits section.
- Pay: Compensation range.
- Schedule: Work schedule info (flexible, 4 days per week, remote eligible, location).
We must not create sections with filler like "commensurate with experience". We have actual content.
We must not repeat job title. Not include Job ID.
We must remove boilerplate: EEO, visa sponsorship note? The visa sponsorship note is maybe not boilerplate but it's a condition; but it's about immigration support. Might be considered legal? It's a specific condition: "USAA does not provide visa sponsorship for this role. Please do not apply...". This is like a disclaimer; maybe we should remove as it's akin to application instruction? It's not exactly application instruction but it's a restriction. The instruction says remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate. Visa sponsorship note could be considered legal. Safer to remove.
Also "Applications for this position are accepted on an ongoing basis..." is application instruction; remove.
Also "USAA is an Equal Opportunity Employer..." remove.
Also "The above description reflects the details considered necessary..." maybe boilerplate; remove.
We need to preserve all substantive information: location list, schedule details, compensation range, benefits list, responsibilities, qualifications, etc.
Let's extract substantive content:
Why USAA? paragraph: mission, core values, support military spouses, remote/hybrid flexibility.
The Opportunity: description of role responsibilities (own end-to-end acquisition engine, drive profitable growth, manage team, compile/analyze data, define business questions, support maintenance/existing products, lead development/launch of less complex new products with channel partners).
What You'll Do: list of duties (communicate product value proposition, ensure product team delivers sales support, develop new product/sales offerings, lead research/analysis, leverage resources, partner with stakeholders, build/oversee team, interpret performance results, ensure risks identified etc.)
Key Responsibilities: bullet list (own acquisition strategy, build funnel, drive acquisition performance, partner with teams, partner with marketing, lead acquisition planning, work with risk/operations, partner with finance/leadership, create executive reporting).
What You Have: bullet list of qualifications (Bachelor's degree OR 4 years relevant education/experience, 8 years relevant industry experience, 4 years product management, 3 years direct team lead, 3 years Data Visualization (Tableau), knowledge of laws/regulations, experience owning/forecasting/managing product P&L, market research experience, expert knowledge of product related regulations/risk/compliance, knowledge of federal laws (TILA/REG Z, SCRA/MLA, Reg B, FCRA, UDAAP)).
What Sets You Apart: bullet list of preferred qualifications (12+ years experience in credit card acquisition, deep expertise in funnel, channel strategy, acquisition economics, lead cross-functional execution, knowledge of customer acquisition strategies, proven track record delivering profitable growth, experience with CRM/marketing automation/segmentation/attribution models, understanding of regulatory considerations, excellent executive communication, strategic thinking, influence senior stakeholders, US military experience).
Compensation range: $143,320 - $273,930. Also note about salary based on experience, location variation, pay incentives.
Benefits: comprehensive medical/dental/vision, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, various wellness programs, career path planning, continuing education.
Schedule/Location: flexible work environment requiring office 4 days per week; positions based in San Antonio, TX; Plano, TX; Phoenix, AZ; Colorado Springs, CO; Charlotte, NC; Tampa, FL. Role may be remote eligible in continental US with occasional business travel. Individuals residing within 60-mile radius of a USAA office expected to work on-site 4 days per week. Relocation assistance not available.
We should not include "Relocation assistance is not available" maybe it's substantive; keep.
We must not create sections with placeholder text. All sections have content.
We need to output HTML fragment only, no /. Use for headings. Use - for lists. Use
for prose.
We need to decide which headings to use. Could be:
About the role
(includes Why USAA? and The Opportunity)
Responsibilities
(includes What You'll Do and Key Responsibilities)
Qualifications
(includes What You Have and What Sets You Apart) maybe split into Requirements and Preferred Qualifications but we can combine.
Benefits
Pay
Schedule
We must not create headings with no content. All have content.
We need to ensure we don't duplicate content. We'll paraphrase but preserve all details; we must not invent or summarize away detail. So we need to keep specifics like numbers, lists.
We can keep bullet lists for responsibilities and qualifications.
Let's craft.
About the role: combine Why USAA? and The Opportunity into a few paragraphs.
Paragraph 1: USAA mission etc.
Paragraph 2: The Opportunity description.
We'll use for each.
Responsibilities: combine What You'll Do and Key Responsibilities into a
- list. Might be long; we can split into two lists? But we can just make one list covering all duties.
We need to ensure we don't lose any bullet. Let's list them:
From What You'll Do:
- Communicate and promote 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.
From 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.
We can combine.
Qualifications: split into Required and Preferred maybe but we can just list all as bullet points under Qualifications.
Required (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).
- Experience owning, forecasting, and managing a product P&L.
- Experience in market research to create product roadmap, make product decisions and iterate rapidly.
- Expert knowledge of applicable product related regulations and risk and compliance requirements.
- Knowledge of federal laws, rules, and regulations to include: TILA/REG Z, SCRA/MLA (given our demographic), Reg B, FCRA, UDAAP.
Preferred (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.
Benefits: list.
- 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.
- Various wellness programs.
- Career path planning.
- Continuing education.
Pay: paragraph with salary range and notes.
- The salary range for this position is $143,320 - $273,930.
- Salary is based on experience and market data; actual salary may vary by location.
- Employees may be eligible for pay incentives based on overall corporate and individual performance at the discretion of the USAA Board of Directors.
Schedule: paragraph.
- Flexible work environment requiring office presence 4 days per week.
- Position can be based in San Antonio, TX; Plano, TX; Phoenix, AZ; Colorado Springs, CO; Charlotte, NC; or Tampa, FL.
- Role may be remote eligible in the continental U.S.
- for lists. Use
for prose. We need to decide which headings to use. Could be:
About the role
(includes Why USAA? and The Opportunity)Responsibilities
(includes What You'll Do and Key Responsibilities)Qualifications
(includes What You Have and What Sets You Apart) maybe split into Requirements and Preferred Qualifications but we can combine.Benefits
Pay
Schedule
We must not create headings with no content. All have content. We need to ensure we don't duplicate content. We'll paraphrase but preserve all details; we must not invent or summarize away detail. So we need to keep specifics like numbers, lists. We can keep bullet lists for responsibilities and qualifications. Let's craft. About the role: combine Why USAA? and The Opportunity into a few paragraphs. Paragraph 1: USAA mission etc. Paragraph 2: The Opportunity description. We'll usefor each. Responsibilities: combine What You'll Do and Key Responsibilities into a
- list. Might be long; we can split into two lists? But we can just make one list covering all duties. We need to ensure we don't lose any bullet. Let's list them: From What You'll Do: - Communicate and promote 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. From 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. We can combine. Qualifications: split into Required and Preferred maybe but we can just list all as bullet points under Qualifications. Required (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). - Experience owning, forecasting, and managing a product P&L. - Experience in market research to create product roadmap, make product decisions and iterate rapidly. - Expert knowledge of applicable product related regulations and risk and compliance requirements. - Knowledge of federal laws, rules, and regulations to include: TILA/REG Z, SCRA/MLA (given our demographic), Reg B, FCRA, UDAAP. Preferred (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. Benefits: list. - 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. - Various wellness programs. - Career path planning. - Continuing education. Pay: paragraph with salary range and notes. - The salary range for this position is $143,320 - $273,930. - Salary is based on experience and market data; actual salary may vary by location. - Employees may be eligible for pay incentives based on overall corporate and individual performance at the discretion of the USAA Board of Directors. Schedule: paragraph. - Flexible work environment requiring office presence 4 days per week. - Position can be based in San Antonio, TX; Plano, TX; Phoenix, AZ; Colorado Springs, CO; Charlotte, NC; or Tampa, FL. - Role may be remote eligible in the continental U.S.