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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.

The Opportunity

Job Profile Summary:

Accountable for driving profitable growth and achieving Property & Casualty (P&C) insurance performance targets across assigned state(s) within a geographic region. Leads the development and execution of strategic vision and tactical plans to expand market share and strengthen USAAs product line. Focuses on region and state-specific competitive and financial KPIs to anticipate and react to potential trends.

Responsible for driving profitable product and member growth by optimizing the 5Ps (product, pricing, promotion, promise, and place) within established guardrails, while providing steadfast protection for those who serve and their families. Drives state-level P&L performance through ownership and execution of state-level pricing and underwriting (UW) strategies. Responsible for managing the P&L for multiple products, ensuring business plan expectations are achieved, with additional focus on expense management and end-to-end member experience.

What You Will Do:

+ Lead strategy and be accountable for P&L across the region for all P&C products ensuring alignment with business plan expectations focusing on growing Membership and driving profitable growth.

+ Develop and execute comprehensive state or regional level market strategies, including products, rates, revenue, bundling strategies, and maintaining a state-specific view of customer / market environment informed by deep market and member insights.

+ Direct strategic pricing adjustments, wielding authority over key pricing levers to optimize market performance, address evolving member needs, and maintain a competitive advantage.

+ Lead the execution of data-driven underwriting strategies, ensuring alignment with national guidelines and state-level P&L goals.

+ Maintain extensive level of understanding of key business trends and performance, financial results, and market dynamics across states and the region (e.g., trends, results, etc.) to inform strategy decision-making.

+ Partner with Government & Industry Relations, Attorney, and Compliance Advisors to manage relationship with local regulatory agencies and industry organizations.

+ Collaborate with key stakeholders including Pricing, Underwriting, Claims, P&C Counsel, Military Affairs, Affinity, Experience and Marketing to drive alignment on financial performance, strategic objectives, and the development of innovative state and regional strategies.

+ Influence enterprise strategy by communicating complex market insights and recommendations to senior leadership and key stakeholders.

+ Lead regular business reviews to align knowledge of state and regional performance.

+ Provide strategic input to national product and product development teams to drive informed decision-making at the national level.

+ Direct the implementation of data-driven pricing strategies, underwriting adjustments, and risk optimization initiatives, balancing national guidelines with state-specific P&L objectives to maximize market performance.

+ Serve as a strategic thought leader on industry standards, competitive intelligence, and benchmark data, maintaining deep expertise in market dynamics to inform enterprise-level decision-making and positioning

+ Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures

Minimum Education:

+ Bachelor’s degree in business, Marketing, Risk Management, 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.

Minimum Experience:

+ 10+ years of relevant **property and casualty product management experience** to include formulating product strategy to meet P&L objectives or advanced degree in Business, Marketing, Risk Management, Supply Chain, Statistics, or related discipline with 8+ years of related experience.

+ 8+ years of people leadership experience in building, managing, and/or developing high-performing teams.

+ Comprehensive knowledge of insurance products and features, competition, and competitive market conditions.

+ Advanced negotiation and influencing skills, with the ability to resolve complex issues and build consensus across internal and external stakeholders.

+ Demonstrated executive communication skills, including the ability to convey complex strategies and insights to senior leadership, cross-functional teams, and external partner.

+ Demonstrated success in engaging with **external regulators and navigating complex regulatory environments** to influence outcomes and ensure compliance.

+ Deep understanding of **product-related regulations, risk frameworks, and compliance requirements** , with the ability to guide strategic decisions within enterprise guardrails.

+ Executive level strategic thinking and business acumen, with a track record of developing and executing strategies that thoughtfully balance industry and competitive dynamics, customer insights and commercial implications.

+ 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.

Compensation range: The salary range for this position is: $224,250 - $403,650

_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 USAAjobs.com.

_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 – 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 (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) 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.