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Director, Product Management – Engagement, Deepening & Retention - Everyday Banking

August 4, 2026

About the position

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 – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Manages a team of individual contributors responsible for developing and advancing product strategies that drive member engagement, relationship deepening, and sustainable growth across the product lifecycle. Compiles, analyzes, and interprets data related to profitability, competitiveness, engagement, and performance to deliver strategic and tactical recommendations. Responsible for defining core business questions and translating insights into actions that increase multi‑product adoption, reduce friction, and enhance the end‑to‑end member experience. Supports the ongoing optimization of existing products and may lead the development and launch of less complex new capabilities, partnering closely with cross‑functional teams while managing and prioritizing deliverables in accordance with Agile principles. The Director, Product Management – Engagement, Deepening & Retention plays a key role in advancing Everyday Banking growth by deepening member relationships, increasing engagement across products, and improving long‑term retention across deposit and credit card portfolios. This leader partners closely with Product organizations to help define engagement and growth vision, strategic guardrails, and member growth objectives. The role translates those strategies into actionable lifecycle and engagement initiatives and leads their delivery and activation across the end‑to‑end member journey. Operating at both a strategic and execution level, the Director leverages customer insights, analytics, and market opportunities to drive measurable growth outcomes, while influencing across a complex, regulated, and highly matrixed enterprise environment. This position is remote eligible. However, the ideal location is our San Antonio, Texas office. Relocation assistance is not available for this position.

Responsibilities

Drive Growth & Deepening Strategy Partner with Product leaders to shape engagement and growth strategies that increase multi‑product adoption, usage, and lifetime value across Everyday Banking portfolios.
Lead Engagement & Lifecycle Initiatives Define and execute lifecycle engagement strategies that strengthen member relationships, improve retention, and accelerate growth through targeted, data‑driven experiences.
Translate Strategy into Execution Lead the delivery and activation of engagement initiatives across channels, ensuring strategies move from concept to implementation with clear ownership, prioritization, and measurable outcomes.
Member Journey & Experience Enablement Enhance the end‑to‑end member journey by partnering with Product, Digital, Marketing, Analytics, and Operations teams to improve Everyday Banking experiences. Use data and member insights to identify and remove friction points, improve usability, and enable stronger engagement across products and channels.
Data‑Driven Growth Optimization Leverage behavioral, transactional, and performance data, along with experimentation and testing, to identify growth opportunities and continuously optimize engagement and retention outcomes.
Cross‑Functional Leadership Influence and align stakeholders across Product, Marketing, Digital, Analytics, Risk, Finance, Operations, and Technology to ensure engagement and growth strategies are executed effectively and consistently.
People Leadership Build, develop, and lead high‑performing teams through recruiting, coaching, performance management, and ongoing development.
Risk & Compliance Oversight Ensure risks associated with business activities are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Requirements

Bachelor's Degree in Business, Marketing, Supply Chain, 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.
8+ years of relevant industry experience in Actuary, Underwriting, Marketing, Distribution or Sales/Service, Finance/Accounting Operations, or Financial Services
4+ years of product management or similar strategic management experience (including direct support in managing product performance)
3+ years of direct team lead or management experience
3+ years of data visualization experience (e.g., Tableau)
Knowledge of relevant laws and regulations (e.g., FDIC, CFPB, OCC)
Experience owning, forecasting, and managing a product P&L
Experience conducting market research to create product roadmaps, make product decisions, and iterate rapidly
Expert knowledge of applicable product‑related regulations and risk and compliance requirements

Nice-to-haves

Experience driving engagement, deepening, or retention initiatives within deposit or credit card products
Experience working for a top tier consulting organization
Background in lifecycle management, engagement strategy, or customer experience optimization
Experience enhancing end‑to‑end member journeys using data and insights to remove friction and enable engagement
Strong understanding of customer behavior, segmentation, experimentation, and analytics‑driven decision making
Demonstrated ability to translate engagement and experience strategies into measurable growth and financial outcomes
Experience partnering closely with product, digital, and analytics teams to execute journey improvements
Experience influencing outcomes across complex, matrixed organizations
Experience operating within large, regulated financial institutions
US military experience through military service or a military spouse/domestic partner

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 USAAjobs.com.

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...