PHead of Product ZINIA - OPENBANKCountry : Spain /ppbBusiness Developer Vice President /b /ppZinia 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. /ppThis 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. /ppZinia 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. /ppbRole Summary /b /ppOpenBank is seeking a strategic and experienced Head of Product to lead the definition, execution and continuous evolution of its multi-product offering — including BNPL, Installments, Cards (branded co-branded), Pay-in-POS and Cash Loans — across both consumer (BC) and merchant / partner (BB) channels. /ppYou 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 Product Owners and work cross-functionally with Engineering, UX, Risk, Compliance, Legal, Marketing and Commercial to deliver products that are scalable, compliant and user-centric. /ppThis role also plays a critical part in shapingOpenBank´s innovation in agentic commerce, ensuring product readiness for integration into AI-native environments and ecosystems powered by intelligent agents. /ppKey Responsibilities /ppbProduct Strategy Portfolio Ownership /b /pulliDefine 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. /li /ulpbProduct Team Leadership /b /pliLead 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. /lipbAgentic Commerce Future-Ready Design /b /pliPartner 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. /lipbCross-Functional Execution /b /pliCollaborate with Engineering, Risk, Legal, Compliance, and Commercial to ensure successful product delivery from concept to deployment. /liliSupport BB and embedded finance initiatives with product tooling for merchant onboarding, configuration and reporting. /lipbCustomer and Merchant-Centric Focus /b /pliEnsure 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. /lipbMinimum Qualifications /b /pliyears 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 (BC) and business partners (BB, merchants, embedded finance). /liliAbility to synthesize business, technical, legal and design inputs into clear, actionable product plans. /liliExcellent communication skills in English /lipbNice to Have /b /pliKnowledge 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 (PSD /, AI Act, DSA, AML / KYC). /lipbWhat do we offer? /b /pliJoining 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. /lipWould you like to grow with us? Join our team! /p #J-18808-Ljbffr