Product Manager, Santander
Embedded Finance, Global Automotive
Retail and commercial bank
Be an early applicant
Retail and commercial bank
1001+ employees
Be an early applicant
1001+ employees
Company mission
To help people and businesses prosper.
Role
Who you are
- We’re looking for a true Product Manager
- This role is ideal for a product manager who thrives at the intersection of customer insight, commercial strategy, technology and delivery
What the job involves
- As Product Manager – Embedded Finance, you will own the end-to-end product lifecycle for key embedded finance proposition across our global automotive ecosystem
- You’ll work closely with major OEMs, dealer and importer groups, and marketplace partners to understand their strategic priorities and customer journeys, translating these into scalable product solutions that can be built, launched and continuously optimised across multiple markets
- This is not a role focused purely on gathering requirements
- Who can shape what needs to be built, define the roadmap, drive prioritisation decisions and be accountable for successful delivery and commercial outcomes
- Own product strategy and roadmap
- Define the product vision and roadmap for embedded finance capabilities across global automotive channels
- Identify opportunities through market insight, customer behaviour and partner strategy
- Translate business needs into clear product propositions, MVP scope and phased delivery plans
- Prioritise initiatives and make clear trade-off decisions based on customer value, technical feasibility and commercial impact
- Lead the exploration of how we can harness the opportunities of agentic AI, using intelligent automation to transform customer and partner journeys, while maximising the discoverability and lead generation across AI channels
- Shape and deliver solutions
- Lead discovery and solution design with engineering, data, operations, risk and commercial teams
- Define what needs to be built to solve real customer and partner problems
- Own product requirements, backlog priorities and delivery milestones
- Be accountable for successful launch of product capabilities into production
- Ensure solutions are scalable, modular and adaptable across global and local market needs
- Drive delivery outcomes from concept through launch and post-release iteration
- Build strategic partner relationships
- Build strong working relationships with global OEMs, dealer groups, importer networks and marketplaces
- Develop a deep understanding of partner strategies, priorities and growth plans
- Collaborate with commercial and account teams to shape joint propositions and initiatives
- Build trusted relationships with senior stakeholders internally and externally
- Optimise performance and outcomes
- Use data and analytics to drive product performance and commercial outcomes
- Monitor funnel performance, conversion, approval rates and acquisition efficiency
- Identify opportunities to improve customer journeys and increase partner value
- Lead post-launch reviews and continuous optimisation cycles
- Drive ROI through smarter processes, automation and product enhancements
Salary benchmarks
Our take
Santander serves 14 million UK customers as a retail and commercial bank. Despite a mixed history, including issues with call centre service, mis-selling PPI, and anti-money laundering control failures between 2012 and 2017, Santander continues to thrive by focusing on innovation, digitalisation, and sustainable, responsible growth.
Recently, Santander has enhanced its digital and mobile services to meet the needs of modern banking customers. This includes the My Home Manager app, which provides mortgage customers with a centralised platform for their information, and increased fraud alerts to protect less digitally literate customers as they transition online. These efforts aim to connect physical and digital channels for a seamless customer experience, positioning Santander to better compete against digital banks like Monzo and Starling.
In addition to these digital advancements, Santander has joined forces with Iberpay in Spain to become inaugural participants in the European Payments Council’s One-Leg Out Cross-border Transactions Instant Scheme (OCT Inst). This initiative is set to introduce global instant transfers, further emphasising Santander's commitment to innovation and enhancing its service offerings in the digital banking landscape.
Freddie
Company Specialist at Welcome to the Jungle
Insights
2% employee growth in 12 months
Company
Company HQ
London, UK
Leadership
Mike Regnier
(CEO)Former CEO of the Yorkshire Building Society, where they also previously worked as Chief Customer Officer and Chief Commercial Officer.
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