Product Development Director (Auto Design)

usaa; United States; Hybrid; USD 150,000 - 190,000; Full time

Job summary

USAA is seeking a Product Development Director to support the Property and Casualty Auto product line. The role focuses on developing new products, guiding launches, and maturing offerings into target markets with cross-functional collaboration across Legal, Compliance, Risk, and Operations.

The position emphasizes data-driven product design, post-launch monitoring, and consistency with USAA policies. Remote eligibility within the continental U.S.

Qualifications

• Experience with agile product development processes and managing multiple products
• Knowledge and application of Product Development Life Cycle (PDLC)
• Creative problem solving with framing, research, experiments and prototyping
• Ability to navigate ambiguous contexts with confidence
• Skill in breaking large initiatives into smaller features and delivering iteratively
• Strong business acumen in P&C insurance is a plus

Responsibilities

• Lead development and launch of digital-first auto products and enhanced features
• Maintain knowledge of underwriting performance, trends and results
• Monitor post-launch performance and adjust products to market changes
• Coordinate with Legal, Compliance, and Risk Management to ensure regulatory alignment
• Develop product value propositions and communicate them to sales channels
• Support cross-functional teams to position new products to members

Skills

Agile product development

PDLC knowledge

Problem solving

Ambiguity navigation

Decomposing complex initiatives

Education

Bachelor's degree in Business/Marketing/SC/Statistics

4 years relevant education/experience

Job description

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 - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

We are seeking a dedicated Product Development Director to support the Property and Casualty (P&C) Auto Product Development area. This is a non-people leading director role that will work closely with this team to influence Auto product design enhancements and monitor performance through data insights.

This role is accountable for developing new products, overseeing and managing the launch and maturation of new products into target strategic markets. Acting as a cross functional expert, this position provides expertise and support for product line initiatives related to product development, compliance, operational and process improvements, claims management, vendor management, product documentation, fulfillment, and/or system releases.

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.

What you'll do:

• Responsible for development of digital first products supporting the needs and risks of USAA Members Leads development and launch of new innovative product offerings as well as auxiliary/enhanced features/services for existing products.
• Responsible for maintaining thorough level of knowledge of business and underwriting performance for products in scope (e.g.trends, results, etc.)
• Responsible for post-launch monitoring, maintenance and underwriting of 'new in market' products based on product performance, member needs and competitive changes in the market including but not limited to product rules, rates, and forms.
• Develops recommendations to launch new products and the evaluation and decision to buy/build or ally for individual product(s).
• Generates creative product and coverage solutions for member needs to ensure a dynamic product development pipeline exists.
• Responsible for maintaining thorough level of knowledge of business and underwriting performance for products in scope (e.g.trends, results, etc.).
• Responsible for post-launch monitoring, maintenance and underwriting of 'new in market' products based on product performance, member needs and competitive changes in the market including but not limited to product rules, rates, and forms.
• Conducts complex analysis of internal and external data and member information to support formulation of product strategy and enhance competitive intelligence.
• Develops and communicates the new product value proposition for individual products.
• Ensures sales support is delivered to all distribution channels (e.g., com, mobile, contact center) so that the new product is properly positioned to members.
• Leads the analysis and evaluation of new product performance metrics to make changes to offerings, if necessary, prior to full launch.
• Coordinates with relevant control partners (to include Legal, Compliance, and Risk Management) to ensure product offerings are designed and implemented in compliance with all applicable laws and regulations.
• 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, or Statistics; OR 4 years of relevant education and/or experience.
• 8 years relevant experience in Product Management, Actuary, Underwriting, Marketing, Operations, Financial Services or relevant military experience.
• Extensive experience in developing, deploying and supporting product and/or integrated suite of products.
• Experience working through agile product development process, managing multiple products simultaneously.
• Knowledge and application of Product Development Life Cycle (PDLC).
• Creative problem solver with hands on experience in problem framing, qualitative & quantitative research, running product experiments, hypothesis testing and prototyping to launch products at the intersection of Human, Technology and Business dimensions.
• Navigates through ambiguous contexts with confidence.
• Ability to break large complex initiatives into smaller manageable features and capabilities and deliver them early and often.

What sets you apart:

• Strong P&C Business Acumen, preferably in Auto (product management, pricing, underwriting, product intelligence etc.).
• Experience designing innovative Insura