Head of Product ZINIA - OPENBANK at Santander

Madrid, Community of Madrid, Spain

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Not SpecifiedCompensation

Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Banking, LendingIndustries

Requirements

15+ years of experience in product management or product leadership, ideally in fintech, credit, payments, or ecommerce
Demonstrated success in leading multi-product portfolios in high-growth, regulated environments
Strong skills in team leadership, functional specification, agile delivery and UX coordination
Experience

Responsibilities

Define and oversee OpenBank’s product vision and roadmap across all core offerings and geographies
Ensure strategic alignment between product initiatives, business goals and market opportunities
Balance innovation, speed-to-market and operational excellence in product decision-making
Lead and manage the team of Product Owners across all product lines
Ensure clear ownership of business and functional requirements, product specifications and backlog prioritization
Promote agile methodologies and outcome-oriented product development culture
Own the UX strategy for both consumer and merchant experiences (web, app, embedded)
Coordinate user research, design systems and prototyping to deliver frictionless, accessible and high-conversion journeys
Align UX with brand, product functionality and technical feasibility
Partner with cross-functional leads to embed OpenBank’s financing capabilities into agent-driven ecosystems (LLMs, wallets, Operator agents)
Contribute to the design of developer-facing tools (e.g. SDKs, Agentic Toolkits) that enable seamless integration with intelligent agents
Collaborate with Engineering, Risk, Legal, Compliance, and Commercial to ensure successful product delivery from concept to deployment
Support B2B and embedded finance initiatives with product tooling for merchant onboarding, configuration and reporting
Ensure that every product solves real pain points and delivers measurable value to users and partners
Monitor feedback, data and performance metrics to continuously improve product-market fit and customer satisfaction

Skills

Key technologies and capabilities for this role

Product StrategyProduct Portfolio ManagementBNPLInstallmentsCredit CardsPay-in-POSCash LoansProduct LifecycleCross-functional LeadershipUXRisk ManagementComplianceAI Integration

Questions & Answers

Common questions about this position

What is the salary for the Head of Product position?

This information is not specified in the job description.

Where is this job located?

The position is located in Spain.

What are the key responsibilities of this role?

The role involves leading product strategy and portfolio ownership, managing the product team, and driving agentic commerce and future-ready design across BNPL, installments, cards, and loans.

What kind of team will I be leading?

You will lead a team of Product Owners across all product lines and work cross-functionally with Engineering, UX, Risk, Compliance, Legal, Marketing, and Commercial teams.

What experience makes a strong candidate for this role?

Strategic and experienced leaders in product management with expertise in full product lifecycle, multi-product offerings in lending like BNPL and cards, team leadership, and innovation in agentic commerce are ideal.

Santander

Provides banking, investment, and insurance services

About Santander

Santander Bank provides a variety of financial services to individuals, small businesses, and large corporations in the United States. Its offerings include savings and checking accounts, loans, credit cards, and investment products. The bank also has specialized services through Santander Investment Services and insurance products via Santander Securities LLC. Santander stands out from its competitors by focusing on community growth, committing $13.6 billion to support initiatives like the 'Cultivate Small Business' program, which aids early-stage entrepreneurs, especially from underrepresented groups. The bank generates revenue through interest on loans, service fees, and commissions, while promoting responsible banking practices and financial education. Santander's goal is to empower individuals and businesses, enhance community prosperity, and provide comprehensive financial solutions.

Boston, MassachusettsHeadquarters

1902Year Founded

$75MTotal Funding

POST_IPO_DEBTCompany Stage

Fintech, Financial ServicesIndustries

10,001+Employees

Benefits

Health, dental, & vision

401k

Flexible PTO

Parental & sick leave

Discounts: technology, travel, auto, fitness, & tuition

Risks

ISO 20022 transition may challenge smaller business partners.

'Quishing' attacks pose a growing threat to consumer security.

Openbank faces competition in the U.S. high-yield savings market.

Differentiation

Santander's Openbank offers a 5.00% APY high-yield savings account nationwide.

The bank's Inclusive Communities Plan pledges $13.6 billion for community initiatives.

Santander's ISO 20022 adoption enhances operational efficiency and data management.

Upsides

Openbank's high-yield savings account attracts more U.S. customers.

Santander's renewable energy financing highlights commitment to sustainable investments.

Proactive cybersecurity measures enhance customer trust and protect digital assets.

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