Executive Director, Credit Card Balance Growth, ...

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 u2013 honesty, integrity, loyalty and service u2013 define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity This executive role leads the endu2011tou2011end strategy for driving credit card balance growth, optimizing pricing decisions, and delivering accurate, insightu2011driven forecasting that informs enterprise financial plans. The position is responsible for shaping and executing growth strategies across the customer lifecycle; owning APR, fee, and promotional pricing frameworks; and developing forecasting models that incorporate portfolio trends, macroeconomic conditions, and competitive dynamics. Success in this role requires deep crossu2011functional partnership with Marketing, Risk, Finance, Legal, and Analytics to align decisions with profitability, compliance, and customer experience goals. The executive will serve as a key voice in senior leadership forums, guiding strategic portfolio decisions, monitoring performance against targets, and ensuring timely course corrections. Additionally, the role provides leadership and direction to a highu2011performing team, fostering a culture of analytical rigor, innovation, and customeru2011centric strategy execution. This role is 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 four days per week. Key Competencies + Strategic thinking and business acumen + Advanced quantitative and analytical capability + Strong communication and executive presence + Collaborative leadership and stakeholder management + Bias for action, ownership, and continuous improvement Key Responsibilities: Strategic Leadership & Growth Management + Lead the strategy to drive credit card balance growth, ensuring alignment with overall business objectives. + Develop and execute growth plans across usage, line management, and retention. + Identify new growth opportunities through market analysis, customer insights, and competitive intelligence. + Set shortu2011 and longu2011term balance growth goals and monitor progress against financial targets. 2. Pricing Strategy & Profitability Management + Own endu2011tou2011endpricing strategy, including APRs, fees, promotions, and product pricing frameworks. + Evaluate pricing implications on revenue, risk, customer experience, and competitiveness. + Partner with Risk, Finance, and Legal to ensure pricing decisions are compliant, profitable, and marketu2011relevant. + Oversee testu2011andu2011learn pricing initiatives, promotional offers, and elasticity modeling. 3. Forecasting, Financial Planning & Performance Analytics + Lead the creation of monthly, quarterly, and annual card spend, balance and revenue forecasts. + Build and manage forecasting models incorporating economic trends, portfolio performance, and behavioral insights. + Present results and forwardu2011looking projections to executive leadership and governance committees. + Monitor performance against plan, diagnose variances, and implement courseu2011correction strategies. 4. Crossu2011Functional Collaboration & Governance + Work closely with Marketing, Risk, Finance, Operations, and Analytics to drive cohesive decisionu2011making. + Influence product, acquisition, credit line, and customer engagement strategies through datau2011driven recommendations. + Support regulatory, audit, and compliance reviews related to pricing and balance management. + Represent the business in senioru2011level forums, steering committees, and enterprise planning cycles. 5. Portfolio Optimization & Customer Lifecycle Management + Oversee strategies related to line assignments, credit limit increases, retention, and balance growth programs. + Optimize lifecycle treatments to improve utilization, reduce attrition, and enhance customer value. + Monitor competitive and macroeconomic trends to adjust portfolio strategies proactively. 6. Leadership, Team Management & Organizational Development + Lead, mentor, and develop a high-performing team of product managers, analysts, and strategists. + Promote a culture of analytical excellence, strategic thinking, and customer-centric innovation. + Ensure organizational readiness for future growth, including tools, processes, and talent capabilities. Tasks: + Manages the P&L and supports efforts to ensure business plan expectations are achieved with a focus on growing Membership and driving profitability. + Reviews and manages the product set (feature/functionality) for appropriateness of financials, marketing strategy, market competitiveness, Member Experience, regulatory compliance, risk management, as well as efficiency of operation and technology delivery. + Accountable for ensuring applicable regulations related to product line of business are adhered to and associated risks are mitigated. + Role models USAAu2019s mission, core values, culture and desired behaviors u2013 including a sound risk and compliance culture. + Develops talent to deliver risk-conscious performance and results u2013 including the identification, development and retention of talent with requisite capabilities, banking regulatory skill requirements and continued advancement of banking regulatory standards. + Partners with General Manager to develop and provides product performance reporting to senior management that is inclusive of USAAu2019s performance as well as industry benchmark data. + Works collaboratively with key stakeholders to deliver an industry leading product offering that drives strong profitability growth across USAA. + Optimizes product mix, leveraging segmentation to drive profit, Member satisfaction, and retention. + Manages plan for growing products through the creation and implementation of an effective segmentation strategy, including product profitability, service standards, and lifecycle management. + Holds responsibility for communicating 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.). + Manages 3rd Party Relationships (IT, 3rd products, and alliances). + Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: + Bachelor's Degree in Business, Marketing, Supply Chain Management, Statistics, or related discipline; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree + 10 years of relevant experience as a Product Management, Digital Transformation, Data Science or Visualization leader for products/platforms, from strategy to market, to ongoing improvements within the Financial Services industry. + 4 years of people leadership experience in building, managing and/or developing high-performing teams. + Understanding of product P&L and high level of fluency in MV (member value) and ROI drivers; demonstrated track record in balancing product priorities against budget and timelines; a sense of urgency in driving execution; entrepreneurial spirit and excitement of developing products from an early stage. + Highly analytical with experience leveraging different types of data to form hypotheses, test those hypotheses and ultimately build a recommended strategy. + Strong strategic thinker with track record of developing and implementing strategies that thoughtfully consider and balance industry and competitive dynamics, customer insights and commercial implications. + Comfort with ambiguity and a rapidly changing dynamic environment; thrives in fast-paced environment. + Excellent written and verbal communications; ability to influence without authority, working on/with technical and cross-functional or highly matrixed teams who do not report into this role to get things done. + Understanding and demonstrated application of Agile methodology. What sets you apart: + Direct experience in credit card portfolio management, credit card existing customer management, forecasting, credit risk strategy, and/or revenue optimization. + Advanced degree (MBA, MS in Analytics/Finance, or similar). + Hands-on experience designing and managing marketing, pricing tests, sensitivity analyses, or behavioral modeling. + Experience working in highly regulated environments, with strong understanding of compliance and fair lending considerations. + Prior teamu2011lead or peopleu2011management experience. Compensation range: The salary range for this position is: $169,880-$305,780. 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. 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. Long Term Incentive Plan: Cash payment for Executive level roles only, representing a cash payment which is both time and performance based. 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 . _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._ 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 u2013 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. California applicants, please review our HR CCPA - Notice at Collection ( here.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.

Created: 2026-03-02