Product director - lending & leasing (global auto domain)

Overview

Product Director - Lending & Leasing (Global Auto Domain) – Country: Spain

About the Role: At Openbank, we are transforming our automotive financing capabilities into a modular, scalable platform that can power multiple distribution channels, products, and markets globally. The Auto Domain brings together global product, technology, and data capabilities to create end-to-end journeys across the automotive ecosystem, from fragmented local solutions to a unified, API-driven platform that supports loans, leasing, and emerging mobility models.

As Product Director, Lending & Leasing, you will lead the product strategy and evolution of these capabilities, working across customer and partner needs, commercial priorities, credit and risk requirements, and delivery teams. We are looking for a product leader with strong domain experience in leasing, mobility finance, or automotive finance, or a product-tech function within one of these environments.

Lead the product strategy, evolution, and scaling of Santander’s automotive financing propositions and capabilities across lending and leasing, helping turn fragmented local solutions into scalable products that can be deployed across markets.

In this role, you will define the product vision, strategy, and roadmap for automotive financing capabilities across lending and leasing, with end-to-end accountability for the product development process from concept through delivery, rollout, adoption, and ongoing optimization. Own the evolution of financing products across the end-to-end journey, from simulation and application through decisioning, activation, servicing, and renewals. Shape product propositions that balance customer experience, partner requirements, commercial objectives, and risk appetite. Work closely with Technology, Design, Data, Risk, Operations, and market teams to translate product priorities into scalable solutions. Drive the transition from fragmented local approaches toward more standardised and reusable product capabilities across markets. Ensure pricing, underwriting, affordability, eligibility, and compliance requirements are reflected in product design and customer journeys. Define what should be standardised globally and what should remain configurable for local market needs. Support dealer, OEM, and third-party partner integrations as part of embedded and distributed finance journeys. Lead rollout and adoption of new product capabilities across markets, including alignment with local regulatory and operational requirements. Use performance data and market feedback to refine priorities, improve journeys, and support commercial outcomes. Support the adoption of data- and AI-enabled decisioning capabilities while ensuring transparency, explainability, and regulatory compliance. Act as a senior product leader across the domain, aligning stakeholders around clear priorities, trade-offs, and delivery outcomes.

Professional Experience

• Significant experience leading product in leasing, automotive finance, mobility finance, or adjacent embedded finance environments. (Required)
• Proven track record of owning and scaling product capabilities across leasing and/or lending journeys, with end-to-end accountability from proposition design and roadmap definition through delivery, rollout, adoption, and continuous optimisation. (Required)
• Strong experience working across business, risk, operations, and technology teams to deliver financing products in regulated environments. (Required)
• Deep understanding of leasing and automotive finance journeys, including pricing, underwriting, contract lifecycle, partner integration, servicing, and renewals. (Required)
• Experience leading multi-market products or rollouts, balancing standardisation with local market adaptation. (Required)
• Experience with AI-enabled underwriting, automated decisioning, or decision governance in financial services. (Preferred)

Languages

• English (Required)

Hard Skills

• Strong product leadership in lending and leasing, including strategy, roadmap ownership, prioritisation, and proposition development. (Required)
• Strong knowledge of leasing, lending, underwriting, pricing, credit decisioning, and financing lifecycle management. (Required)
• Ability to work closely with Technology and cross-functional teams to define scalable product capabilities and practical solutions. (Required)
• Strong understanding of partner-led ecosystems, including dealers, OEMs, brokers, or third-party distribution models. (Required)
• Strong commercial judgement, including growth prioritisation, customer and partner value, portfolio performance, and trade-off management. (Required)
• Strong understanding of regulatory, compliance, and responsible lending considerations in financing products. (Required)
• Data-driven decision-making, including KPI management, product performance analysis, and optimisation. (Required)
• Familiarity with LOS, leasing platforms, workflow tools, rules engines, or related financing infrastructure. (Preferred)

Soft Skills

• Strong product judgement and prioritisation
• Strategic thinking with a practical, delivery-oriented mindset
• Executive presence and the ability to influence senior stakeholders across business and technology
• Strong cross-functional collaboration and stakeholder management
• Ability to navigate ambiguity and make clear trade-offs
• Customer and partner centricity
• Structured, data-driven decision-making
• High ownership, resilience, and delivery focus

• A senior product leadership role with exposure across multiple markets and functions
• The opportunity to shape the evolution of automotive finance products within Openbank
• Close collaboration with business, technology, risk, operations, and data teams in an international environment
• Competitive compensation and opportunities for professional growth

EEO Statement

Santander 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. We make recruiting decisions based on your experience and skills. The 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. for the sole purpose of managing your participation in the selection processes and, where appropriate, to formalise your recruitment. For further information about your rights and data protection, please read the Openbank Privacy Policy applicable to this type of data processing here.

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