Nadia Rosales
San Antonio,TX
Summary
Dynamic leader with extensive experience at USAA in Agile product management and strategic decision-making. Successfully launched innovative credit card products, driving significant revenue growth and enhancing portfolio performance. Expert in risk mitigation and cross-functional collaboration, fostering high-performing teams to achieve ambitious goals and deliver exceptional results.
Overview
37
37
years of professional experience
1
1
Certification
Work History
Director, Agile Product Management
USAA
San Antonio, TX
01.2022 - Current
- Launches new credit card products and capabilities: Leads a high-performing, cross-functional team — including direct reports such as Agile Product Owners, Business Process Consultants, and Business Advisors — to develop and launch credit card products and capabilities that advance the organization’s product line strategy and financial goals.
- Led development and launch of the USAA Eagle Navigator lifestyle credit card—USAA’s first new product in six years—aligning cross-functional teams on delivery, controls, and risk mitigation; projected to drive $35M in incremental Pre-Tax Income through 2032.
- On target to launch new credit builder product, dynamic counteroffer capability, and product enhancement by 2025 Q4 to realize product line strategy by 2026 Q4.
- Launched Phase 1 of Pricing Strategy Reassignment capability in compliance with Reg Z, enabling portfolio-wide fee adjustments; expected to generate $12M annually.
- Informs strategic decisions for product launches and refreshes by providing leaders with key technical insights on delivery options based on time, cost, scalability and complexity.
- Applies AI-driven analysis to proactively surface regulatory insights, streamline process design, and quantify residual risk—driving continuous innovation and smarter decision-making across compliance and product ecosystems.
- Deployed automated, compliant secured card graduation capability; oversaw conversion of eligible accounts, boosting graduated portfolio performance with +35% net sales and +47% average balances per account.
- Optimized investment allocation by managing investments and collaborating with IT and Portfolio team to align funding with effort size, ensuring accurate spend allocation.
Product Manager Director
USAA
San Antonio, TX
01.2020 - 01.2022
- Reduced inherent risk to the credit card portfolio by simplifying the business: developed strategy, identified requirements, built controls, and executed a risk compliant product conversion process to eliminate legacy products. Then enhanced future conversions based on analysis of member feedback.
- Directed fifteen cross-functional teams in flawless conversion of 2.4MM accounts, increasing spend on largest converted portfolio (1.7MM accounts) by 15%.
- Built scalable Purchase Returns Solution, along with automated preventive and detective controls to manage emerging risks.
- Reduced number of managed products by 10.
- Resolved complex project issues—technical, capacity, scheduling, and vendor-related—while fostering a culture of trust, collaboration, high standards, and continuous improvement.
Agile Development Product Owner Lead
USAA
San Antonio, TX
01.2018 - 01.2020
- Empowered members to upgrade their credit card to meet their changing financial needs: engaged, influenced, and led multiple Agile teams and vendors on multi-year journey to deliver Right Card Switch application through marketing campaign.
- Led business and technology teams to identify requirements.
- Maintained, refined, and prioritized feature backlog, in alignment with solution vision.
- Promoted technology transformation to accelerate business objectives.
- Led multiple parallel efforts to deliver applications and implement controls.
- Managed dependencies and worked with multiple teams, partners, and project sponsors.
- Selected to lead upcoming projects due to exceptional leadership, influence, and performance on past initiatives.
- Excelled at guiding and mentoring colleagues and team members.
Technical Product Manager
USAA
San Antonio, TX
01.2017 - 01.2018
- Created technical solutions based on analysis of business needs on Credit Card and Consumer Lending such as Right Card, Card Upgrade, Spend Analysis Data Infrastructure, Proactive Credit Limit Increase, Master Loan Calculator, and Loan Universal Application by engaging, leading, influencing, and collaborating with multiple teams and partners.
Software Developer and Integrator
USAA
San Antonio, TX
01.2015 - 01.2017
- Ensured alignment and product quality of Right Card journey initiative; led two development teams focus on file transfers and data transformation, and streamlined communications across five Agile teams.
ELL Coordinator
01.2003 - 01.2015
- Developed, directed, and managed innovative English Language Learner (ELL) program that consistently surpassed transformational objectives and met regulatory directives.
Developer, Systems Analyst and Consultant
01.1989 - 01.1999
- Partnered cross-functionally to capture and analyze business needs; designed data models and delivered innovative solutions that drove strategic outcomes.
Education
MS - Business Administration
University of South Carolina
Columbia, SCBS - Computer Systems Engineering
Instituto Tecnológico de Mérida
Mérida, Yuc., MéxicoOxford Executive Leadership Programme -
Säid Business School, University of Oxford
Skills
- Agile product management
- Strategic decision making
- Risk mitigation
- Credit card product development
- Cross-functional collaboration
- Portfolio management
- Continuous improvement
- Team leadership
- Effective communication
Websites
Certification
- PMI PMP
- SAFe RTE
- SAFe POPM
Timeline
Director, Agile Product Management
USAA
01.2022 - Current
Product Manager Director
USAA
01.2020 - 01.2022
Agile Development Product Owner Lead
USAA
01.2018 - 01.2020
Technical Product Manager
USAA
01.2017 - 01.2018
Software Developer and Integrator
USAA
01.2015 - 01.2017
ELL Coordinator
01.2003 - 01.2015
Developer, Systems Analyst and Consultant
01.1989 - 01.1999
MS - Business Administration
University of South Carolina
BS - Computer Systems Engineering
Instituto Tecnológico de Mérida
Oxford Executive Leadership Programme -
Säid Business School, University of Oxford