PpHead of Product ZINIA - OPENBANK Country: Spain /p pZinia is the new checkout lending platform of the Santander Group. Zinia makes shopping simple, offering the possibility of splitting payments into interest-free installments in a fast and transparent way, powering merchants across Europe using technology from Openbank and Santander Consumer Finance. /p pThis is an exciting opportunity to make your contribution over a growing market within the business areas of lending, cobranded credit cards and buy-now-pay-later with a solid expansion across different countries with global leading merchants. /p pZinia leverages the technological resources and expertise of Openbank, the digital-native bank of the Santander Group, which is currently rolling out its international expansion plans. Through a simple and flexible banking model, Openbank offers customers the possibility to manage their finances on the website or app. /p h3Role Summary /h3 pWe’re looking for a hands-on, AI-native Head of Product to shape the future of Zinia’s BNPL, installments, and digital lending products. This role is ideal for a product leader who is passionate about building from first principles, thrives in fast-moving environments, and understands how to turn AI and agentic technologies into real customer and business value. /p pYou will own the strategy, roadmap, and end-to-end execution for Zinia’s multi-product portfolio, while ensuring the platform is ready for the emerging world of agentic commerce—LLMs, intelligent agents, and developer ecosystems. /p pThis is a chance to build one of Europe’s most innovative BNPL and lending platforms at global scale. /p h3Key responsibilities /h3 h3Be a Hands-On Product Builder /h3 ul liBe a ‘player-coach’ product leader. Know the details, challenge the assumptions, and lead by example as much as by coaching and mentoring. /li liDrive a hypothesis-based, customer-focused product development methodology based on cross-functional discovery, design thinking from day 1, short, purposeful sprints delivering measurable value, continuous delivery and performance optimization. /li liEnsure that the development team is always working from clear, structured functional specs, which serve as the beginning of a conversation, not a hand-off of responsibility. /li liBuild a culture of experimentation, A/B testing, and data-driven iteration. /li /ul h3Lead AI-Native Product Strategy /h3 ul liDefine the product vision for Zinia across BNPL, installments, and consumer lending. /li liBuild AI-ready experiences, including LLM-driven journeys, agentic flows, and intelligent interfaces. /li liDrive Zinia’s evolution into an agent-first platform (APIs, SDKs, AI toolkits). /li /ul h3Scale BNPL Lending Products Internationally /h3 ul liShape the consumer and merchant BNPL value proposition across markets. /li liOptimize underwriting, pricing, risk decisioning, and core lending mechanics in partnership with Risk Data. /li liDrive high-performance funnels and conversion improvements. /li /ul h3Accelerate Growth /h3 ul liOwn product-led growth strategies across acquisition, onboarding, and retention. /li liIdentify scale opportunities, expansion markets, and feature bets backed by data. /li liMake decisions grounded in both user insights and commercial impact. /li /ul h3Work Cross-Functionally at the Highest Level /h3 ul liCollaborate with Engineering, AI/ML, Risk, Compliance, Legal, Commercial, and Operations. /li liEnsure products launch safely, compliantly, and with measurable outcomes. /li liInfluence senior stakeholders across Openbank and the Santander Group. /li /ul h3Must-Haves /h3 ul li12+ years in product management, including hands-on execution. /li liProven experience in BNPL or consumer lending products. /li liStrong understanding of AI/LLM technologies, agentic commerce, or AI-driven product design. /li liTrack record of building and scaling products in regulated fintech or banking environments. /li liExperience driving growth through product experimentation, funnels, and data insights. /li liExcellent communication skills in English. /li liExperience with developer-first products (APIs, SDKs, tools). /li liFamiliarity with risk systems, underwriting, or payments infrastructure. /li liExperience launching products across multiple European markets. /li liKnowledge of PSD2/3, AML/KYC, AI Act, or other regulatory frameworks. /li /ul h3What do we offer? /h3 ul liJoining a dynamic and agile company undergoing international expansion. /li liWorking in start-up mode with the support of the Santander Group. /li liCompetitive remuneration and attractive benefits package. /li liPossibility of growth within the company and the Group. /li liCollaborating on international projects in different countries. /li liExcellent work environment, social clubs and frequent events. /li /ul pWould you like to grow with us? Join our team! /p pOpenbank / ODS is an equal opportunity employer. All applicants will be considered as equal without paying attention to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership nor disability status. /p pWe make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify, and build. /p pThe personal data you provide as well as any data generated during the selection process are confidential and will be processed by Open Bank, S.A./ Open Digital Services, S.L. with registered office at Plaza de Santa Bárbara 2, 28004 (Madrid), for the sole purpose of managing your participation in the selection processes and, where appropriate, to formalise your recruitment. /p pFor further information about your rights and data protection, please read the ODS/Openbank Privacy Policy applicable to this type of data processing here. /p /p #J-18808-Ljbffr