Kristina Scheer
Dallas
Summary
Technical Product Manager with 14+ years of experience leading end-to-end product lifecycle delivery across Direct and Indirect Lending products. Known for driving strategic alignment between business and technology, optimizing operating models, and delivering scalable, high-quality solutions. Strong track record of improving processes, strengthening controls, and enabling enterprise-level transformation in financial services.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Technical Product Manager Lead
USAA
Plano
01.2025 - Current
- Lead Consumer Lending initiatives by translating business strategies into actionable technical execution and ensuring alignment across architecture, product, and operations.
Business Architect Lead
USAA
Plano
01.2021 - 01.2025
- Defined business capabilities and requirements for enterprise lending initiatives, ensuring clarity and alignment across stakeholders.
- Partnered with Solution Architecture to shape technical solutions and establish architectural runway.
- Built and maintained Consumer Lending Portfolio Prioritization & Planning Roadmaps, accounting for dependencies and cross-team impacts.
- Evaluated build-vs-buy options with architects and product partners to guide strategic investment decisions.
- Oversaw and matured the Consumer Lending Operating Model to streamline intake, prioritization, and delivery.
- Delivered solution intents for 14+ major initiatives, enabling early architectural readiness ahead of ART planning.
- Created a standardized Solution Intent template and intake process, improving consistency and reducing friction for Agile teams.
- Launched a unified Operating Model that improved intake transparency from ideation through ART inception.
- Maintained monthly portfolio roadmaps that aligned teams on priorities and dependencies.
- Achieved a solution runway consistently 2 PIs ahead of ART needs.
- Established definitions of Ready/Done and a requirements refinement process to improve delivery quality.
Product Owner
defi Solutions
Westlake
01.2018 - 01.2021
- Owned product strategy and execution for the Loan Origination System across multiple development teams supporting Direct and Indirect lending clients.
- Defined business intent and partnered with architects to shape technical solutions and roadmap sequencing.
- Led client workshops to identify process gaps and translate them into actionable requirements.
- Coordinated with technical leads to allocate resources and manage delivery timelines.
- Provided release visibility and risk assessments to stakeholders.
- Mentored junior product owners on requirements quality and scope management.
- Delivered 5+ security enhancements, strengthening platform protection and competitive positioning.
- Launched two major product enhancements enabling expansion into new auto segments and improving pricing/decisioning flexibility.
- Implemented Single Sign-On for four clients, including vendor evaluation, requirements definition, and scalable solution design.
- Improved reliability and reduced configuration time of a compliance integration by 20% through vendor collaboration.
- Built an automated pipeline report to forecast likelihood of requests advancing to development.
Product Manager
Santander Consumer USA
Dallas
01.2016 - 01.2018
- Supported operations and compliance initiatives by defining business intent, ensuring regulatory alignment, and driving delivery of high-impact features.
- Defined business and technical requirements for operations and compliance programs.
- Partnered with legal and compliance to ensure proper controls and monitoring were embedded in solutions.
- Owned the operations value-stream roadmap and prioritized features based on business value.
- Designed screen mockups and process flows for complex KYC processes.
- Led UAT and end-user training to ensure smooth adoption.
- Facilitated Agile ceremonies and business demos.
- Delivered a new Adverse Action process within one year, including SLA monitoring and reporting.
- Developed operational documentation and training for the new Adverse Action workflow.
- Launched a redesigned KYC process that improved identity verification and risk-based documentation requirements.
Certified Programmer
ARGO
Richardson
01.2013 - 01.2014
- Developed and customized software applications to support Direct and Indirect lending products.
- Designed and developed application features based on business and technical requirements.
- Supported QA, customers, and cross-functional development teams.
- Advised teams on application design and requirements.
- Built programs that streamlined processes for multiple lending product teams.
Education
Bachelor of Science - Management Information Systems
New Mexico State University
Associate of Arts - General Studies
Eastern New Mexico University
Skills
- Technical product management
- Agile methodologies
- Business analysis
- Requirements gathering
- Product roadmapping
- Stakeholder engagement
Certification
Certified Business Architect, Business Architecture Guild, 2025
Timeline
Technical Product Manager Lead
USAA
01.2025 - Current
Business Architect Lead
USAA
01.2021 - 01.2025
Product Owner
defi Solutions
01.2018 - 01.2021
Product Manager
Santander Consumer USA
01.2016 - 01.2018
Certified Programmer
ARGO
01.2013 - 01.2014
Bachelor of Science - Management Information Systems
New Mexico State University
Associate of Arts - General Studies
Eastern New Mexico University