Chief Product Officer, Santander
Auto Business, Global DCB
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
- Proven product leadership experience in consumer finance, preferably within auto lending, leasing, or mobility ecosystems
- Strategic thinker with strong commercial instincts and a history of delivering market-disruptive, high-performance products
- Familiarity with credit products and a strong grasp of digital platform strategies and customer behavior analytics
- Demonstrated success in leading cross-functional teams within complex, matrixed, and geographically dispersed organizations
- Experience working in global environments and the ability to quickly integrate and influence cross-market teams
What the job involves
- As a Chief Product Officer (Auto Business), you will define and develop best-in-class auto lending products and partner solutions tailored for OEMs, marketplaces, fleet operators, and other strategic vendors
- You’ll lead cross-functional efforts across technology, risk, operations, marketing, and business units to deliver a scalable, innovative, and customer-centric platform that powers our global Auto business of Santander
- Your goal is to stay ahead of partner and customer expectations while aligning with market trends, balancing innovation, simplicity, and commercial impact at scale
- Develop a robust and scalable auto lending platform
- Design partner-centric solutions for OEMs, marketplaces, fleet operators, and other suppliers
- Automate back-office functions and empower front-end sales teams with effective tools
- Build architecture capable of supporting operations in about 30 countries
- Innovate for future trends such as loyalty programs, autonomous vehicles, direct sales, and emerging mobility models
- Own the end-to-end product vision and execution for global auto lending, aligned with overall business strategy and evolving needs of partners and consumers
- Define and manage the global product roadmap, coordinating across markets and internal functions (Technology, Risk, CX, etc.)
- Lead cross-functional product teams (matrix or direct reporting), driving agile delivery, continuous learning, and scalable growth
- Understand and anticipate market shifts, driving innovation in credit decisioning, onboarding, digital servicing, and customer interactions
- Continuously evaluate product performance with a focus on profitability, growth, NPS, and risk-adjusted returns
- Collaborate with regional leaders to localize products effectively while maintaining global coherence (80-20 approach)
- Represent the product in strategic planning, senior leadership forums, and stakeholder meetings
- Develop seamless integration capabilities for partners (OEMs, marketplaces, fleet operators, etc.)
- Design future-ready solutions with a focus on loyalty, autonomous mobility, new verticals, and next-gen digital experiences
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 benefits
- 25 days is the minimum paid holiday, with the option to sell or buy more
- A company pension and life cove
- Sharesave and partnership shares
- Family friendly policies
- Employee discounts with some of the UK’s most recognisable brands
- Cycle to work scheme
- Car scheme with salary sacrifice
- Charitable giving options
- Special rates on our products and services
Company HQ
London, UK
Leadership
Mike Regnier
(CEO, not founder)Former CEO of the Yorkshire Building Society, where they also previously worked as Chief Customer Officer and Chief Commercial Officer.
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