Executive Director, Credit Card Balance Growth, Pricing and Forecasting
USAA
full-time
Posted on:
Location Type: Hybrid
Location: San Antonio • Texas • United States
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Salary
💰 $169,880 - $305,780 per year
Job Level
About the role
- 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 short‐ and long‐term balance growth goals and monitor progress against financial targets.
- Own end‐to‐end pricing 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 market‐relevant.
- Oversee test‐and‐learn pricing initiatives, promotional offers, and elasticity modeling.
- 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 forward‐looking projections to executive leadership and governance committees.
- Monitor performance against plan, diagnose variances, and implement course‐correction strategies.
- Work closely with Marketing, Risk, Finance, Operations, and Analytics to drive cohesive decision‐making.
- Influence product, acquisition, credit line, and customer engagement strategies through data‐driven recommendations.
- Support regulatory, audit, and compliance reviews related to pricing and balance management.
- Represent the business in senior‐level forums, steering committees, and enterprise planning cycles.
- 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.
- 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.
Requirements
- 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.
Benefits
- 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 and continuing education
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
product managementdata analysisforecasting modelspricing strategymarket analysiscompetitive intelligenceelasticity modelingP&L managementAgile methodologycustomer insights
Soft Skills
strategic thinkinganalytical excellenceinfluence without authorityteam leadershipcommunicationadaptabilityentrepreneurial spiritcustomer-centric innovationcollaborationproblem-solving