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Director, Product Management - Consumer Lending (Remote work location available)
USAA    Phoenix, AZ 85067

**Purpose of Job**

We are currently seeking a talented Director Product Management—Consumer Lending for one of the following locations: San Antonio, TX (preferred); Phoenix, AZ; Plano, TX; Tampa, FL; Charlotte, NC; Colorado Springs, CO or Remote.

The Consumer Lending Product Management team is responsible for the day to day oversight and management of USAA’s secured and unsecured loan products. (These products include automobile, RV, motorcycle, boat, leisure vehicle and unsecured personal loans.) The team is responsible for the overall financial statement for Consumer Lending and works to drive decisions based on data, the member experience and the competitive environment as we balance competing priorities with a wide array of cross-functional partners. This role will lead a team focused on value chain optimization within the end to end sales funnel.

Manages 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. 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.

+ Responsible for communicating and promoting the product value proposition to Distribution organization.

+ Ensures 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.).

+ Develops new product or sales offerings and enhanced features/services to existing product or sales offerings

+ Leads research, analysis and evaluates performance metrics to drive recommendations for market opportunities or product enhancements

+ Leverages resources to gather data and member information to support formulation of product strategy and acquire competitive intelligence.

+ Partners with appropriate stakeholders to develop communications for product and pricing strategies to key stakeholders and committees within the respective COSA and the enterprise.

+ Builds and oversees a team of employees for assigned functional area through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities.

+ Interprets performance results to inform product or sales forecast and planning.

**Minimum Experience:**

+ 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 (12 years of experience in lieu of a degree).

+ 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 .

+ Experienced 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, REG E, REG B, UDAAP/UDAP, FCRA

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.

**Preferred Experience:**

+ Master’s Degree in business, finance, analytics or related field

+ Prior experience managing bank lending products

+ Strong analytical skills and demonstrated ability to drive business value

+ Prior military experience

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.


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: $117,600—$211,700*(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.


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.

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**Relocation** assistance is **available** for this position.


**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

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Job Details

Employment Type

Full Time