Head of Product ZINIA - OPENBANK Country: Spain
Zinia 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.
This 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.
Zinia 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.
Role Summary
We'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.
You 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.
This is a chance to build one of Europe's most innovative BNPL and lending platforms at global scale.
Key responsibilities
Be a Hands-On Product Builder
Be a 'player-coach' product leader. Know the details, challenge the assumptions, and lead by example as much as by coaching and mentoring.
Drive 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.
Ensure 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.
Build a culture of experimentation, A/B testing, and data-driven iteration.
Lead AI-Native Product Strategy
Define the product vision for Zinia across BNPL, installments, and consumer lending.
Build AI-ready experiences, including LLM-driven journeys, agentic flows, and intelligent interfaces.
Drive Zinia's evolution into an agent-first platform (APIs, SDKs, AI toolkits).
Scale BNPL & Lending Products Internationally
Shape the consumer and merchant BNPL value proposition across markets.
Optimize underwriting, pricing, risk decisioning, and core lending mechanics in partnership with Risk & Data.
Drive high-performance funnels and conversion improvements.
Accelerate Growth
Own product-led growth strategies across acquisition, onboarding, and retention.
Identify scale opportunities, expansion markets, and feature bets backed by data.
Make decisions grounded in both user insights and commercial impact.
Work Cross-Functionally at the Highest Level
Collaborate with Engineering, AI/ML, Risk, Compliance, Legal, Commercial, and Operations.
Ensure products launch safely, compliantly, and with measurable outcomes.
Influence senior stakeholders across Openbank and the Santander Group.
Must-Haves
12+ years in product management, including hands-on execution.
Proven experience in BNPL or consumer lending products.
Strong understanding of AI/LLM technologies, agentic commerce, or AI-driven product design.
Track record of building and scaling products in regulated fintech or banking environments.
Experience driving growth through product experimentation, funnels, and data insights.
Excellent communication skills in English.
Experience with developer-first products (APIs, SDKs, tools).
Familiarity with risk systems, underwriting, or payments infrastructure.
Experience launching products across multiple European markets.
Knowledge of PSD2/3, AML/KYC, AI Act, or other regulatory frameworks.
What do we offer?
Joining a dynamic and agile company undergoing international expansion.
Working in start-up mode with the support of the Santander Group.
Competitive remuneration and attractive benefits package.
Possibility of growth within the company and the Group.
Collaborating on international projects in different countries.
Excellent work environment, social clubs and frequent events.
Would you like to grow with us? Join our team!
Openbank / 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.
We make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify, and build.
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./ 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.
For further information about your rights and data protection, please read the ODS/Openbank Privacy Policy applicable to this type of data processing here.
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