POpenbank Madrid, Community of Madrid, Spain /ph3strongJoin or sign in to find your next job /strong /h3pJoin to apply for the strongHead of Product ZINIA - OPENBANK /strong role at strongOpenbank /strong /ppOpenbank Madrid, Community of Madrid, Spain /ppJoin to apply for the strongHead of Product ZINIA - OPENBANK /strong role at strongOpenbank /strong /ppGet AI-powered advice on this job and more exclusive features. /ppCountry: SpainbrBusiness Developer Vice PresidentbrZinia 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.brThis 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.brZinia 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.brstrongRole Summarybr/strongOpenBank is seeking a strategic and experienced strongHead of Product /strong to lead the definition, execution and continuous evolution of its multi-product offering — including strongBNPL, Installments, Cards (branded co-branded), Pay-in-POS and Cash Loans /strong — across both strongconsumer (B2C) /strong and strongmerchant/partner (B2B) /strong channels.brYou will own the full product lifecycle: from opportunity identification and business case definition to functional specification, development and market launch. You will lead a team of strongProduct Owners /strong and work cross-functionally with Engineering, UX, Risk, Compliance, Legal, Marketing and Commercial to deliver products that are scalable, compliant and user-centric.brThis role also plays a critical part in shapingOpenBank´sstrong innovation in agentic commerce /strong, ensuring product readiness for integration into AI-native environments and ecosystems powered by intelligent agents.brstrongKey Responsibilitiesbr/strongstrongProduct Strategy Portfolio Ownershipbr/strongulliDefine and oversee OpenBank’s product vision and roadmap across all core offerings and geographies. /liliEnsure strategic alignment between product initiatives, business goals and market opportunities. /liliBalance innovation, speed-to-market and operational excellence in product decision-making.br/li /ulstrongProduct Team Leadershipbr/strongulliLead and manage the team of Product Owners across all product lines. /liliEnsure clear ownership of business and functional requirements, product specifications and backlog prioritization. /liliPromote agile methodologies and outcome-oriented product development culture. /liliOwn the UX strategy for both consumer and merchant experiences (web, app, embedded). /liliCoordinate user research, design systems and prototyping to deliver frictionless, accessible and high-conversion journeys. /liliAlign UX with brand, product functionality and technical feasibility.br/li /ulstrongAgentic Commerce Future-Ready Designbr/strongulliPartner with cross-functional leads to embed OpenBank’s financing capabilities into agent-driven ecosystems (LLMs, wallets, Operator agents). /liliContribute to the design of developer-facing tools (e.g. SDKs, Agentic Toolkits) that enable seamless integration with intelligent agents.br/li /ulstrongCross-Functional Executionbr/strongulliCollaborate with Engineering, Risk, Legal, Compliance, and Commercial to ensure successful product delivery from concept to deployment. /liliSupport B2B and embedded finance initiatives with product tooling for merchant onboarding, configuration and reporting.br/li /ulstrongCustomer and Merchant-Centric Focusbr/strongulliEnsure that every product solves real pain points and delivers measurable value to users and partners. /liliMonitor feedback, data and performance metrics to continuously improve product-market fit and customer satisfaction.br/li /ulstrongMinimum Qualificationsbr/strongulli15+ years of experience in product management or product leadership, ideally in fintech, credit, payments, or ecommerce. /liliDemonstrated success in leading multi-product portfolios in high-growth, regulated environments. /liliStrong skills in team leadership, functional specification, agile delivery and UX coordination. /liliExperience building products for both end-users (B2C) and business partners (B2B, merchants, embedded finance). /liliAbility to synthesize business, technical, legal and design inputs into clear, actionable product plans. /liliExcellent communication skills in Englishbr/li /ulstrongNice to Havebr/strongulliKnowledge of agentic commerce ecosystems, LLM-powered interfaces, or developer-first platforms. /liliFamiliarity with product design for lending, cards or merchant tools. /liliExperience in pan-European product launches and multi-country coordination. /liliUnderstanding of compliance and regulatory frameworks (PSD2/3, AI Act, DSA, AML/KYC).br/li /ulstrongWhat do we offer?br/strongulliJoining a dynamic and agile company undergoing international expansion. /liliWorking in start-up mode with the support of the Santander Group. /liliCompetitive remuneration and attractive benefits package. /liliPossibility of growth within the company and the Group. /liliCollaborating on international projects in different countries. /liliExcellent work environment, social clubs and frequent events.br/li /ulWould you like to grow with us? Join our team!bremOpenbank / ODS /ememis 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.br/ememWe make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify, and build.br/ememThe 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. /embremFor further information about your rights and data protection, please read the ODS/Openbank Privacy Policy applicable to this type of data processing /ememhere /emem. /em /ph3Seniority level /h3ullih3Seniority level /h3Executive /li /ulh3Employment type /h3ullih3Employment type /h3Full-time /li /ulh3Job function /h3ullih3Job function /h3Business Development and Product Management /li /ulpReferrals increase your chances of interviewing at Openbank by 2x /ph3Sign in to set job alerts for “Head of Product” roles. /h3pMadrid, Community of Madrid, Spain 1 week ago /ph3Head of Product Management - (web applications, HYPERGROWTH) - REMOTE /h3h3Head of Product - Infrastructure – Remote-First /h3pMadrid, Community of Madrid, Spain 1 month ago /ppMadrid, Community of Madrid, Spain 2 weeks ago /ppMadrid, Community of Madrid, Spain 5 hours ago /ppMadrid, Community of Madrid, Spain 5 days ago /ppMadrid, Community of Madrid, Spain 1 week ago /ppMadrid, Community of Madrid, Spain 1 week ago /ppMadrid, Community of Madrid, Spain 9 months ago /ph3Head of Product Marketing (Remote - Europe) /h3pMadrid, Community of Madrid, Spain 1 day ago /ph3Data Product Owner (Relocation to Malta Required) /h3pMadrid, Community of Madrid, Spain 3 months ago /ppMadrid, Community of Madrid, Spain 2 months ago /ppMadrid, Community of Madrid, Spain 7 months ago /ppMadrid, Community of Madrid, Spain 1 week ago /ppBoadilla del Monte, Community of Madrid, Spain 1 week ago /ppMadrid, Community of Madrid, Spain 2 weeks ago /ppMadrid, Community of Madrid, Spain 4 days ago /ppMadrid, Community of Madrid, Spain 1 week ago /ppMadrid, Community of Madrid, Spain 1 week ago /ppMadrid, Community of Madrid, Spain 2 weeks ago /ph3Head of User Experience Product Operations /h3pMadrid, Community of Madrid, Spain 6 days ago /ppMadrid, Community of Madrid, Spain 2 weeks ago /ppWe’re unlocking community knowledge in a new way. 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