Cards & Payments Product Innovation Specialist - Openbank

Cards & Payments Product Innovation Specialist - Openbank Country: Spain IT STARTS HERE Santander () is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey.
Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what's possible.
This is more than a strategic shift.
It's a chance for driven professionals to grow, learn, and make a real difference.
Our mission is to contribute to help more people and businesses prosper.
We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.Openbank is Santander Group's global digital consumer bank, bringing together retail banking, mobility finance and consumer lending solutions in one integrated digital platform.THE DIFFERENCE YOU MAKEOpenbank is looking for a Cards & Payments Product Innovation Specialist based out of Madrid.
You will drive the evolution of the cards and payments proposition with a fintech mindset, identifying customer needs, market trends and new business opportunities and turning them into simple, distinctive and scalable digital products.
Own product definition and business prioritization, providing delivery teams with clear customer journeys, functional requirements, acceptance criteria and measurable outcomes.
We're shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas.To succeed in this role, you will be responsible for:Product innovation and opportunity identification: Identify unmet customer needs, fintech and retail digital trends, and new business opportunities, translating them into differentiated product concepts and scalable propositions.Product strategy and prioritization: Define the product vision, value proposition and opportunity pipeline.
Prioritize initiatives based on customer value, differentiation, business potential, strategic alignment and speed to market.Customer experience and product definition: Define simple and intuitive customer journeys, business rules, functional requirements and acceptance criteria, ensuring commercial, regulatory and operational viability.Data-driven validation and growth: Use customer insight, market analysis and product KPIs to validate opportunities, build business cases and assess measurable customer and business impact.Cross-functional product leadership: Coordinate Digital Channels, UX, Technology, Operations, Risk, Compliance, Growth and external partners, providing clear product decisions and visibility to senior management.
Day-to-day project management, testing coordination and operational implementation remain with the relevant delivery teams.Market and ecosystem evolution: Assess relevant fintech, payments, digital commerce and regulatory developments, and identify partnerships or ecosystem opportunities that can improve the customer proposition or unlock growth.WHAT YOU'LL BRINGOur people are our greatest strength.
Every individual contributes unique perspectives that make us stronger as a team and as an organization.
We're enabling teams to go beyond by valuing who they are and empowering what they bring.The following requirements represent the knowledge, skills, and abilities essential for success in this role.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Professional ExperienceProfessional Experience +4 years of relevant experience.
Demonstrated product excellence, entrepreneurial drive and tangible product outcomes will be valued above tenure.
Experience in fintech, payments, digital commerce, wallets, card issuing, acquiring or consumer digital products will be especially valued; candidates from outsidetraditional banking are strongly encouraged.EducationBusiness Administration, Engineering, Economics, Finance, Design, Technology or a similar degree (required).
Additional knowledge of payments, cards, fintech, digital commerce, customer experience or digital product development will be highly valued (preferred).
LanguageHigh level of English (Required)Hard SkillsStrong knowledge of payments, card products or adjacent fintech propositions.
(Required)
Demonstrated ability to identify unmet customer needs and turn loosely defined opportunities into differentiated product concepts, experiments and scalable propositions.
(Required)
Outstanding product judgment and a high bar for quality, simplicity and customer experience.
(Required)
Strong analytical and commercial capabilities, able to interpret customer, market, competitor and KPI/economics data to identify opportunities and assess impact.
(Required)
Ability to prioritize based on customer value, differentiation, business potential, strategic alignment, speed to ma