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Director, Product Management - Overdraft and Fee Income

Company: United Services Automobile Association
Location: Carrollton
Posted on: January 15, 2022

Job Description:

Product Management Director - Credit Cards (Lifestyle Products) Purpose of JobWe are seeking a talented Product Management Director - Credit Cards (Lifestyle Products) for either our San Antonio, TX, or Plano, TX facility. This person may also work remotely in a 100% Remote Work Environment.

We are looking for an innovative, customer-obsessed Product Management Director for managing one of our lifestyle credit card products catering to our Mass & Affluent members. The Product Management Director - Credit Cards (Lifestyle Products) is an individual contributor role that will be responsible for the product vision, design, and execution to find breakthrough ways to surprise and delight our members with competitive products and great customer experience. As a Product Management Director, you will be collaborating with our internal analytics, marketing, finance, risk, legal and compliance teams as well as external vendors to understand key product drivers, launch new features, identify opportunities to further grow and refine the product within the risk appetite framework. This is a critical role in the Bank Card Experiences organization. Responsible for ensuring growth, profitability, and regulatory compliance of one or more credit card products. This role will closely monitor and improve P&L and KPIs of the assigned credit card products.

Formulates 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. Responsible for defining the business questions and providing insights to improve business performance. Supports the maintenance of existing products and/or may lead in the development and launch of less complex, new products with channel partners.Job Requirements About USAA USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level. USAA Careers - World Class Benefits (31 seconds)
Primary Responsibilities:

  • Identifies and manages existing and emerging risks that stem from business activities and the job role. -
  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled. -
  • Follows written risk and compliance policies and procedures for business activities. -
  • Leverages internal and external data and member information to support formulation of product strategy and enhance competitive intelligence.
  • Develops product dashboards and metrics recommendations in support of analyzing and evaluating strategic performance.
  • Partners with Marketing to define go-to-market and value proposition strategy of the product/feature.
  • Develops recommendations to launch new products and the evaluation and decision to buy/build or ally.
  • Acts as product SME on features and services and collaborates with business partners to provide recommendations.
  • Analyzes and evaluates product performance metrics to form recommendations regarding market opportunities and product enhancements.
  • Leads efforts to expand or change existing product features.
  • Contributes to decisions regarding product pricing and profitability.
  • Identifies and evaluates potential providers for alliance relationships.
  • Provides support regarding all aspects of Product Life Cycle.
  • Approves and provides support in developing, editing and distributing product communications.
  • Coordinates with relevant control partners (to include Legal, Compliance, and Risk Management) to ensure product offerings are designed, implemented and managed in compliance with all applicable laws and regulations.
  • Contributes to the overall strategy of the business and collaborates with alliance to develop product strategy.
  • Interprets performance results to inform product or sales forecast and planning. . When you apply for this position, you will be required to answer some initial questions. This will take approximately 5 minutes. Once you begin the questions you will not be able to finish them at a later time and you will not be able to change your responses. Minimum Requirements:
    • Bachelor's Degree in Business, Marketing, Supply Chain, Statistics, or related discipline, OR 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.
    • 8 years of relevant industry experience in Actuary, Underwriting, Marketing or Sales/Service or Finance/Accounting Operations or Financial Services. -
    • 3 years of product management, or similar strategic management experience (similar experience includes direct support in managing product performance).
    • 2 years of Data Visualization experience (i.e. Tableau, Excel).
    • Knowledge of relevant laws and regulations (i.e. FDIC, CFPB, OCC).
    • Expert experience in creating product briefings and presenting to executive leadership.
    • Experienced in market research to create product roadmap, make product decisions and iterate rapidly.
    • Knowledge of applicable product related regulations, and risk and compliance requirements. Preferred Experience:
      • 5 or more years working for a card issuer in product, operations, marketing, or similar functions
      • 3 or more years credit card product management experience with P&L responsibility.
      • 3 or more years of experience leading customer acquisition strategies across both digital and traditional channels
      • MBA preferred.
      • Experience in communicating with stakeholders across multiple business units and senior management 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. 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 position. The salary range for this position is: $97,200 - $175,000*(this does not include geographic differential it may be applied based on your work location) Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors. *Geographical Differential: Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average. Shift premium: will be addressed on an individual-basis for applicable roles that are consistently scheduled for non-core hours. 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. Please click on the link below for more details. USAA Total Rewards Relocation assistance is not available for this position. #FSB Get personalized job alerts by completing the fields below, adding your selections and then clicking "Sign up." Email Address Interested In Category Location
        • Brand Management, San Antonio, Texas, United States Remove
        • Brand Management, Plano, Texas, United States Remove USAA is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, veteran status or any other legally protected characteristic. If you'd like more information about your EEO rights as an applicant under the law, click here for English / Spanish . For USAA's Affirmative Action and EEO statement, please click here . Furthermore, USAA makes hiring decisions compliant with the Fair Chance Initiative for Hiring Ordinance (LAMC 189.00). USAA provides equal opportunity to qualified individuals with disabilities and disabled veterans. If you need a reasonable accommodation, please email or call 1-800-210-USAA and select option 3 for assistance. Membership eligibility and product restrictions apply and are subject to change.

Keywords: United Services Automobile Association, Carrollton , Director, Product Management - Overdraft and Fee Income, Executive , Carrollton, Texas

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