PpOpenbank Madrid, Community of Madrid, Spain /p h3Join or sign in to find your next job /h3 pJoin to apply for the bHead of Product /b role at bOpenbank /b /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 pOpenBank is seeking a strategic and experienced bHead of Product /b to lead the definition, execution and continuous evolution of its multi‑product offering — including bBNPL, Installments, Cards (branded co‑branded), Pay‑in‑POS and Cash Loans /b — across both bconsumer (B2C) /b and bmerchant/partner (B2B) /b channels. /p pYou 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 bProduct Owners /b and work cross‑functionally with Engineering, UX, Risk, Compliance, Legal, Marketing and Commercial to deliver products that are scalable, compliant and user‑centric. /p pThis role also plays a critical part in shaping OpenBank’s binnovation in agentic commerce /b, ensuring product readiness for integration into AI‑native environments and ecosystems powered by intelligent agents. /p h3Key Responsibilities: /h3 ul liDefine and oversee OpenBank’s product vision and roadmap across all core offerings and geographies. /li liEnsure strategic alignment between product initiatives, business goals and market opportunities. /li liBalance innovation, speed‑to‑market and operational excellence in product decision‑making. /li liLead and manage the team of Product Owners across all product lines. /li liEnsure clear ownership of business and functional requirements, product specifications and backlog prioritization. /li liPromote agile methodologies and outcome‑oriented product development culture. /li liOwn the UX strategy for both consumer and merchant experiences (web, app, embedded). /li liCoordinate user research, design systems and prototyping to deliver frictionless, accessible and high‑conversion journeys. /li liAlign UX with brand, product functionality and technical feasibility. /li /ul h3Agentic Commerce Future‑Ready Design /h3 ul liPartner with cross‑functional leads to embed OpenBank’s financing capabilities into agent‑driven ecosystems (LLMs, wallets, Operator agents). /li liContribute to the design of developer‑facing tools (e.g. SDKs, Agentic Toolkits) that enable seamless integration with intelligent agents. /li /ul h3Cross‑Functional Execution /h3 ul liCollaborate with Engineering, Risk, Legal, Compliance, and Commercial to ensure successful product delivery from concept to deployment. /li liSupport B2B and embedded finance initiatives with product tooling for merchant onboarding, configuration and reporting. /li /ul h3Customer and Merchant‑Centric Focus /h3 ul liEnsure that every product solves real pain points and delivers measurable value to users and partners. /li liMonitor feedback, data and performance metrics to continuously improve product‑market fit and customer satisfaction. /li /ul h3Minimum Qualifications /h3 ul li15+ years of experience in product management or product leadership, ideally in fintech, credit, payments, or ecommerce. /li liDemonstrated success in leading multi‑product portfolios in high‑growth, regulated environments. /li liStrong skills in team leadership, functional specification, agile delivery and UX coordination. /li liExperience building products for both end‑users (B2C) and business partners (B2B, merchants, embedded finance). /li liAbility to synthesize business, technical, legal and design inputs into clear, actionable product plans. /li liExcellent communication skills in English /li /ul h3Nice to Have /h3 ul liKnowledge of agentic commerce ecosystems, LLM‑powered interfaces, or developer‑first platforms. /li liFamiliarity with product design for lending, cards or merchant tools. /li liExperience in pan‑European product launches and multi‑country coordination. /li liUnderstanding of compliance and regulatory frameworks (PSD2/3, AI Act, DSA, AML/KYC). /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 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 h3Seniority level /h3 pDirector /p h3Employment type /h3 pFull‑time /p h3Job function /h3 ul liProduct Management /li /ul h3Industries /h3 ul liFinancial Services and Banking /li /ul pReferrals increase your chances of interviewing at Openbank by 2x /p pGet notified about new Head of Product jobs in bMadrid, Community of Madrid, Spain /b. /p /p #J-18808-Ljbffr