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Data Science & BI (OPENBANK)","Head of Applied Science Commercial Intelligence - Data Science & BI (OPENBANK) Country: Spain Join Openbank, the 100% digital bank of the Santander Group, where innovation meets opportunity! With over 2 million customers across Spain, Germany, the Netherlands, Portugal, we're leading the way in digital banking. From loans and mortgages to a cutting-edge, fully automated investment platform, our products are transforming the industry. At Openbank, we pride ourselves on simplicity, agility, and security, earning us the title of the most recommended Spanish bank among our customers. Technology is in our DNA and we are constantly developing new digital solutions and products. And we're not stopping there! At Openbank we are proud to be a bank that is gaining more and more international presence, we have just landed in the United States and Mexico. Mission & responsibilites: This role provides the link between pure commercial business needs with analytical engines, creating the link between business areas and a team of data scientists. Marketing campaigns, customer intelligence, churn reduction, product definition and other relevant areas of the business have a clear need for data. This role will support the advance analysis of data to obtain business-related insights that foster the development of the data-driven business strategy of Openbank. As a Head of Applied Science, you will lead the Commercial Intelligence team and report directly to the Chief Data Science, and we expect someone that knows how to optimize more than ROC-AUC curves; you have proven experience applying ML engines to improve Business areas outcomes (measured in financial gains or savings) and take data-driven decisions. In the past you have faced data-atheists and did not frustrate you to lead them in the path of data conversion. You know how to create metrics that measure the performance of certain customer behaviours and enjoy the experimentation of behavioural actions to analyze the evolution of the created indicators. You want to find the position where you can participate in the design long-term plans for data-products and strategy, although you understand business urgent requests and sometimes you just need to get the work done. You have worked on several projects at the same time and understand how to balance delivery and progress. You enjoy never-faced challenges and data sources, and know how to prioritize opportunities with business needs and Directors’ requests; however, our Senior Data Team is composed of ex-members of the most prestigious data-companies and academic programs, and we know that success comes only through collaboration. Your critical scientific thinking is normally reinforced by listening to others’ opinions with respect to the best algorithmic decisions; however, you easily recognize where a logistic regression will do the job to achieve an 80% acceptable solution. Scalable solutions and production-readiness are two of your mantras; however, we have a ML-Operations team that will support you in achieving technical excellence. You are not afraid of designing an ETL for a newly introduced dataset, generating concrete specifications for its automation; despite we have a robust Data Engineering team maintaining hundreds of Scala ETLs, the seniority of this role requires being able to communicate with this highly technical team. Supervising other fellow data scientists is an attractive point as it can eventually help you achieve bigger more interesting initiatives. In our team, we nurture a meritocratic culture trying to provide professional development opportunities. To be successful in the role you must have +5 years of proven experience in an industrial environment. Excellent communication skills and influence, with the ability to translate business issues into analytical solutions. Successfully managed the end-to-end delivery of insights and value, including resourcing, budgeting and prioritization. Statistical modelling and machine learning: you know the difference of multiple ML algorithms, and know how to implement them in different programming languages (ideally Python or Spark). We´ll double-check this with you! Experience in dealing with large datasets and implementing scalable solutions. You know when pandas breaks and have dealt with different distributed solutions such as dask or spark. How to solve problems using data: analyze the problem and decompose it into different analytical components, andcomponents and recycle all the components you can from other projects. Software development: you know what GIT means, and how to develop your own code, test it and use it to produce actionable results. Open-source lovers get a plus if you show us your github! Data Visualization, and tools like ggplot, matplotlib, tableau, or similar. Bonus points for plotly, and standing ovation for Quicksight. For this level of seniority, you have experience on geo-spatial analytics, graph-theory, and natural-language processing. Automation Obsessed: Cloud infrastructures are your main asset in order to automate all ML-related problem, so the machine does most of the work for you, or at least you are highly interested in collaborating closely with the ML-Ops team. 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 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.",{"id":196,"slug":197,"title":198,"location":10,"raw_job_location_address_addressLocality":10,"raw_hiringOrganization_logo_url":10,"raw_description":199},36338,"senior-product-lead-app-digital-channels-openbank-ptg-open-bank-sa","Senior Product Lead App – Digital Channels (OPENBANK)","Senior Product Lead App – Digital Channels (OPENBANK) Country: Spain SENIOR PRODUCT LEAD APP – DIGITAL CHANNELS (OPENBANK) Openbank is the 100% digital bank of Grupo Santander, serving millions of customers across Spain, Germany, the Netherlands and Portugal, with recent launches in Mexico and the United States. We build simple, fast and secure mobile-first experiences across everyday banking, lending and investments. We are proud to be the most recommended Spanish bank among our customers, and we are scaling what works to new markets. If you care about UX excellence, strong product sense, and shipping outcomes (not just outputs), this role is for you. Mission and responsibilities: You’ll lead product direction across 2–3 cross-functional squads focused on mobile-first experiences for Individuals. You’ll partner closely with Engineering, Design\u002FUX, Operations, Growth, Customer Needs, and Risk\u002FLegal\u002FCompliance, and collaborate cross-geo on international initiatives. We’re scaling a mobile-first banking experience across multiple markets while keeping it simple for customers and safe by design. Your job is to spot the highest-impact opportunities in the app, turn them into clear product bets, and ship improvements that move customer and business outcomes in a regulated, high-complexity environment. This is a product leadership role (strategy, discovery, prioritisation, outcomes) – not operations, service delivery, or project coordination. The main tasks of this position will be the following: Own the vision, roadmap and prioritisation for the mobile app and web experiences. Define and own outcome metrics (activation, engagement, conversion, retention, self-service, cost-to-serve) and drive measurable improvements. Lead continuous discovery using product data, customer feedback, UX research and experimentation. Deliver UX-driven product development across complex customer journeys (e.g., onboarding, everyday banking, self-service, security, engagement). Lead multi-squad execution: align teams around outcomes, unblock decisions, and keep delivery moving with a bias toward action. Influence senior stakeholders with clear narratives grounded in customer evidence and data; raise the bar for product craft and UX quality across squads. Lead, hire and grow a team: hiring, onboarding, coaching, performance management, and career development. Explore AI-ready experiences responsibly, including LLM-driven journeys and agentic flows. To be successful in the role you must have: +8 years of experience in product management, owning mobile-first consumer products end-to-end (fintech or other regulated platforms a plus). +3 years of experience managing multiple teams in large, complex product-led organizations, partnering cross-functionally and cross-geographically. Strong product sense and a track record of UX excellence: simplifying complexity and building journeys customers love. Zero-to-one and major rebuild experience: taking ambiguous problems from idea → shipped product → measurable outcomes. Data-informed mindset; comfortable with funnels, instrumentation, experimentation, and KPI ownership. Excellent communication and stakeholder management; English C1+. A strong sense of ownership: you lead end-to-end, move fast, and deliver measurable outcomes in a high-complexity environment. 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 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.",{"id":74,"slug":75,"title":76,"location":10,"raw_job_location_address_addressLocality":201,"raw_hiringOrganization_logo_url":10,"raw_description":202},"SANTA BARBARA 2-PLANTA SEGUNDA","Senior Product Manager - Openbank App (Digital Channels) Country: Spain IT STARTS HERE Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Openbank the digital bank of Santander Group, is transforming the financial sector by helping millions of people from different countries managing their money. We deliver simple, fast, and secure mobile-first banking experiences through everyday banking, lending, and investments. Our core DNA—simplicity, agility, and technology—drives us to make banking accessible, intuitive, and innovative. Working through multidisciplinary teams, we prioritize innovation, collaboration, and digital transformation. We make decisions quickly, learn from our users, and constantly adapt. We're seeking passionate individuals who are excited about digital innovation, eager to impact millions of lives, and ready to thrive in a dynamic, high-performing, agile environment. Join us and be part of the digital revolution in banking. THE DIFFERENCE YOU MAKE Openbank is looking for a Senior Product Manager based out of Madrid. You will lead one cross-functional squad focused on improving the Openbank mobile app for Individuals. You will partner closely with Engineering, Design\u002FUX, Data, Operations, Customer Growth, Customer Needs, and Risk, Legal and Compliance. You will also collaborate with other product teams, platform teams and international stakeholders across Openbank and Santander. Your job is to identify the highest-impact opportunities within your area, turn them into clear product bets, and lead your squad from discovery → shipped product → measurable outcomes. This is a hands-on product leadership role focused on strategy, discovery, prioritisation and value delivery. It is not an operations, service-delivery or project-coordination role. We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: Own the vision, roadmap and prioritisation of the Openbank app experience. Lead one cross-functional squad, aligning Engineering, Design, Data and business partners around clear customer and business outcomes. Define and own product metrics across activation, engagement, conversion, retention, self-service and customer satisfaction. Lead continuous discovery using product data, customer feedback, UX research and experimentation. Identify high-impact customer problems and simplify complex journeys across the app. Translate customer and business needs into clear hypotheses, MVPs, product requirements and success criteria. Prioritise based on customer value, business impact, strategic alignment, regulation and technical feasibility. Work closely with other product managers to create a consistent and connected app experience across journeys. Monitor performance after launch and use evidence to improve, iterate or change direction. WHAT YOU’LL BRING Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We’re enabling teams to go beyond by valuing who they are and empowering what they bring. The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Professional Experience 6+ years in product management, owning mobile-first consumer products from discovery through launch and optimisation. Experience leading a cross-functional squad in a complex, product-led organisation. Strong product sense and a track record of UX excellence: simplifying complexity and building intuitive customer journeys. Zero-to-one, major feature or product-rebuild experience: taking ambiguous problems from idea → shipped product → measurable outcomes. Experience in banking, fintech, financial services or another regulated digital environment. (Preferred) Language Fluent in English (Required) Fluent in Spanish (Preferred) Hard Skills Data-informed mindset; comfortable with funnels, instrumentation, experimentation and KPI ownership. (Required) Strong discovery and prioritisation skills, using customer evidence, product data and business impact to make clear decisions. (Required) Soft Skills Excellent communication and stakeholder management. A strong sense of ownership: you lead your area end-to-end, move with pace, and deliver measurable outcomes in a high-complexity environment. WE VALUE YOUR IMPACT Your contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers. We offer more than just a paycheck—our benefits are designed to support your life, your goals and your well-being, now and into the future. Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing We know family is everything. That’s why we offer parental leave, childcare support and family-friendly programmes tailored to each life stage. We’re enable our teams to go beyond through global opportunities and broad career paths. We believe in the power of helping. You can dedicate part of your working hours to volunteering We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way. Openbank 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. with registered office at Avenida de Cantabria, n\u002Fn, 28660 Boadilla del Monte (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 Openbank Privacy Policy applicable to this type of data processing here READY TO TAKE THE NEXT STEP IN YOUR JOURNEY? The Santander Way Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Ready to make it happen? It starts with you. It starts here.",{"id":7,"slug":8,"title":9,"location":10,"raw_job_location_address_addressLocality":201,"raw_hiringOrganization_logo_url":10,"raw_description":204},"Customer Activation Lead - Growth (Openbank) Country: Spain IT STARTS HERE Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Openbank the digital bank of Santander Group, is transforming the financial sector by helping millions of people from different countries managing their money. We deliver simple, fast, and secure mobile-first banking experiences through everyday banking, lending, and investments. Our core DNA—simplicity, agility, and technology—drives us to make banking accessible, intuitive, and innovative. Working through multidisciplinary teams, we prioritize innovation, collaboration, and digital transformation. We make decisions quickly, learn from our users, and constantly adapt. We're seeking passionate individuals who are excited about digital innovation, eager to impact millions of lives, and ready to thrive in a dynamic, high-performing, agile environment. Join us and be part of the digital revolution in banking. THE DIFFERENCE YOU MAKE Openbank is looking for a Customer Activation Lead based out of Madrid, Spain. Customer Strategy is part of Openbank's Growth organization and is responsible for defining the bank's commercial strategy across the customer lifecycle. As the starting point of the commercial journey, the team combines customer, market and business insights to shape the strategic priorities that drive acquisition, engagement and long-term value. Working cross-functionally across Growth, Customer Strategy ensures these priorities are translated into measurable business outcomes. As a Customer Loyalty and Activation Lead, you will define and evolve Openbank's strategy to become our customers' primary bank by strengthening long-term relationships through payroll and primary banking relationships. You will combine customer understanding, market insights and business analysis to identify growth opportunities, influence strategic decisions and accelerate customer engagement, loyalty and primacy across the end-to-end customer journey. We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: Define and continuously evolve Openbank's payroll and primacy strategy, identifying opportunities through customer insights, market dynamics and competitive analysis. Design differentiated and sustainable initiatives to increase payroll conversion, customer engagement, transaction recurrence and long-term customer loyalty. Analyze the end-to-end payroll journey, from early activation to primary bank consolidation, identifying commercial, digital and communication levers to strengthen customer engagement. Monitor payroll, customer engagement and primacy KPIs, generating insights to support strategic decision making and proactively identifying risks and opportunities. Prioritize strategic initiatives balancing customer experience, business impact and contribution to Openbank's primacy objectives. Lead cross-functional initiatives, coordinating Product, Marketing, Data, Operations and Technology teams to ensure successful execution and timely delivery of strategic projects. WHAT YOU’LL BRING Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We’re enabling teams to go beyond by valuing who they are and empowering what they bring. The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Professional Experience 5+ years of experience in Strategy Consulting or in Corporate Strategy, Business Development, Growth or Commercial Strategy roles within Banking, Financial Services or Digital businesses. Proven experience defining customer engagement or commercial strategies based on data and business insights. Experience analyzing business performance, customer behavior and commercial KPIs. Experience leading cross-functional strategic initiatives involving multiple stakeholders. Previous experience in digital banking, customer engagement, loyalty or customer lifecycle strategies will be highly valued. Education Bachelor's Degree in Business Administration, Economics, Marketing, Engineering, Mathematics or a related field. (Required) Additional education or certifications in Strategy, Data Analytics, Marketing or Digital Business. (Preferred) Language Spanish (Full Professional Proficiency). English (Professional Working Proficiency – C1). Hard Skills Required Customer-centric mindset. Strategic vision for customer engagement, loyalty and primacy. Strong analytical skills with the ability to translate data into strategic decisions. Cross-functional coordination and stakeholder management. Strong execution focus and prioritization. Preferred CRM & Digital Marketing ecosystems. Banking Products & Customer Lifecycle. Soft Skills Structured Problem Solving. Ownership & Accountability. Rigor and attention to detail. Collaboration and influencing skills. Curiosity & Continuous Improvement. WE VALUE YOUR IMPACT Your contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers. We offer more than just a paycheck—our benefits are designed to support your life, your goals and your well-being, now and into the future. Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing We know family is everything. That’s why we offer parental leave, childcare support and family-friendly programmes tailored to each life stage. We’re enable our teams to go beyond through global opportunities and broad career paths. We believe in the power of helping. You can dedicate part of your working hours to volunteering We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way. Openbank 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. with registered office at Avenida de Cantabria, n\u002Fn, 28660 Boadilla del Monte (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 Openbank Privacy Policy applicable to this type of data processing here READY TO TAKE THE NEXT STEP IN YOUR JOURNEY? The Santander Way Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Ready to make it happen? It starts with you. It starts here.",{"id":47,"slug":48,"title":49,"location":10,"raw_job_location_address_addressLocality":206,"raw_hiringOrganization_logo_url":10,"raw_description":207},"SANTA BARBARA 2-PLANTA PRIMERA","Saving & Investing Strategy Lead - Growth (Openbank) Country: Spain IT STARTS HERE Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Openbank the digital bank of Santander Group, is transforming the financial sector by helping millions of people from different countries managing their money. We deliver simple, fast, and secure mobile-first banking experiences through everyday banking, lending, and investments. Our core DNA—simplicity, agility, and technology—drives us to make banking accessible, intuitive, and innovative. Working through multidisciplinary teams, we prioritize innovation, collaboration, and digital transformation. We make decisions quickly, learn from our users, and constantly adapt. We're seeking passionate individuals who are excited about digital innovation, eager to impact millions of lives, and ready to thrive in a dynamic, high-performing, agile environment. Join us and be part of the digital revolution in banking. THE DIFFERENCE YOU MAKE Openbank is looking for a Saving & Investing Strategy Lead based out of Madrid, Spain. Customer Strategy is part of Openbank's Growth organization and is responsible for defining the bank's commercial strategy across the customer lifecycle. As the starting point of the commercial journey, the team combines customer, market and business insights to shape the strategic priorities that drive acquisition, engagement and long-term value. Working cross-functionally across Growth, Customer Strategy ensures these priorities are translated into measurable business outcomes. As Saving & Investing Strategy Lead, you will shape Openbank's strategy to grow and maximize the value of our customers' savings and investments, strengthening their long-term relationship with the bank. You will combine customer understanding, market insights and business analysis to identify opportunities, influence strategic decisions and optimize the balance between customer value, engagement and sustainable business growth. We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: Define and continuously evolve Openbank's savings strategy, identifying opportunities through customer insights, market dynamics and competitive analysis. Design differentiated and sustainable initiatives to grow customer balances and business profitability while strengthening customer engagement and long-term loyalty. Analyse the end-to-end savings journey, from awareness and consideration to renewal and retention, identifying commercial, digital and communication levers to improve customer engagement and value. Monitor savings product performance and market evolution, generating insights to support strategic decision making and proactively identifying risks and opportunities. Identify opportunities across savings and investment products, understanding customer needs and behaviours to optimize the allocation of customer balances and maximize overall business value. Prioritize strategic initiatives balancing customer experience, business impact and contribution to Openbank's engagement and primacy objectives. Lead cross-functional initiatives, coordinating Product, Marketing, Data, Operations and Technology teams to ensure successful execution and timely delivery of strategic projects. WHAT YOU’LL BRING Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We’re enabling teams to go beyond by valuing who they are and empowering what they bring. The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Professional Experience 5+ years of experience in Strategy Consulting or in Corporate Strategy, Business Development, Growth or Commercial Strategy roles within Banking, Financial Services or Digital businesses. Proven experience defining growth, customer value or commercial strategies based on data and business insights. Experience analysing business performance, customer behaviour and commercial KPIs to identify opportunities and support strategic decision making. Experience in financial analysis, with a solid understanding of banking P&L dynamics, key revenue and cost drivers, particularly those related to interest rates and net interest income. Experience leading cross-functional strategic initiatives involving multiple stakeholders. Previous experience in digital banking, savings and investment products, wealth management or customer lifecycle strategies will be highly valued. Education Required Bachelor's Degree in Business Administration, Economics, Marketing, Engineering, Mathematics or a related field. Preferred Additional education or certifications in Strategy, Data Analytics, Marketing or Digital Business. Language Spanish (Full Professional Proficiency). English (Professional Working Proficiency – C1). Hard Skills Required Customer-centric mindset. Strategic vision for savings, investments and customer value. Strong analytical and financial skills with the ability to translate data into strategic decisions. Knowledge of savings and investment products and customer lifecycle. Cross-functional coordination and stakeholder management. Strong execution focus and prioritization. Preferred Customer segmentation and behavioral analytics. Pricing and commercial proposition design. Soft Skills Structured Problem Solving. Ownership & Accountability. Rigor and attention to detail. Collaboration and influencing skills. Curiosity & Continuous Improvement. WE VALUE YOUR IMPACT Your contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers. We offer more than just a paycheck—our benefits are designed to support your life, your goals and your well-being, now and into the future. Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing We know family is everything. That’s why we offer parental leave, childcare support and family-friendly programmes tailored to each life stage. We’re enable our teams to go beyond through global opportunities and broad career paths. We believe in the power of helping. You can dedicate part of your working hours to volunteering We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way. Openbank 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. with registered office at Avenida de Cantabria, n\u002Fn, 28660 Boadilla del Monte (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 Openbank Privacy Policy applicable to this type of data processing here READY TO TAKE THE NEXT STEP IN YOUR JOURNEY? The Santander Way Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Ready to make it happen? It starts with you. It starts here.",{"id":209,"slug":210,"title":211,"location":10,"raw_job_location_address_addressLocality":10,"raw_hiringOrganization_logo_url":10,"raw_description":212},21893,"cc-quality-amp-process-analyst-banking-operations-zinia-ptg-open-bank-sa","CC QUALITY & PROCESS ANALYST – BANKING OPERATIONS (ZINIA)","CC QUALITY & PROCESS ANALYST – BANKING OPERATIONS (ZINIA) Country: Spain CC QUALITY & PROCESS ANALYST – BANKING OPERATIONS (ZINIA) 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. Mission and responsibilities: The mission of the role will be to ensure quality standards and a positive customer experience, and that agent performance meets those standards, promoting FCR, PRR, CSAT, accuracy, ownership, and continuous improvement. The main tasks of this role will be the following: Coordinate external audits and ensure optimal calibration of scoring, preparing monthly platform-level reports that outline the action plans to be executed within the established continuous improvement plan. Review specific audits or critical segments selected and\u002For flagged due to their impact on customer experience or reputational risk. Conduct deep-dive analyses on critical processes or those with potential for improvement. Update processes. Provide training to agencies on setups and new projects. To be successful in the role you must have: +3 years of experience in a similar role. Organization and time management. Results-oriented. Analytical and critical thinking. Active listening and customer empathy. Clear communication and storytelling. Objectivity and neutrality. Cross-functional collaboration. Problem solving and ability to work under pressure and resilience. Impact-oriented. Learning agility and adaptability. 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 \u002F 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.",{"id":214,"slug":215,"title":216,"location":10,"raw_job_location_address_addressLocality":10,"raw_hiringOrganization_logo_url":10,"raw_description":217},21894,"cc-service-specialist-banking-operations-zinia-ptg-open-bank-sa","CC SERVICE SPECIALIST – BANKING OPERATIONS (ZINIA)","CC SERVICE SPECIALIST – BANKING OPERATIONS (ZINIA) Country: Spain CC SERVICE SPECIALIST – BANKING OPERATIONS (ZINIA) 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. Mission and responsibilities: The mission of the role will be to ensure daily service operations, compliance with SLAs, staffing, volumes and priorities, and efficient management (RTA, multiskill), service levels, adherence to forecast curves, and AHT. Incident management. End-to-end operational efficiency review. The role will be responsible for managing and continuously improving all contact center activities, maximizing efficiency and ensuring the best customer experience. It will manage operational demand and support the launch, ramp-up, and live operation of various customer service offerings within a multiregional, multisite model. The main tasks of this role will be the following: Lead the daily operation of the Amazon service, ensuring compliance with SLAs, NDS, and FCR objectives. Continuously monitor operational KPIs: service levels, actual volumes vs. forecast, AHT\u002FTMO, escalations, quality, PRR, Completion Rate, and Handover Ratio. Supervise the performance of teams and Team Leaders in the contact centers and sites where the service is delivered, ensuring operational discipline, adherence, and flawless execution of the RTM. Manage the direct relationship with Amazon regarding SLAs, performance, improvement plans, and weekly reporting. Manage relationships with BPO partners across all geographies, executing the multihub strategy and ensuring efficiency. Coordinate forecasting and planning with the WFM team, controlling and optimizing operational costs. Ensure compliance with SLAs and KPIs for all services in operation. Design and execute the setup of new services and markets, including RFPs and transition plans. Support onboarding of new vendors, teams, and ramp-ups. To be successful in the role you must have: +6 years of experience in a similar role. Leadership, ownership and accountability. Results-oriented. Operational and end-to-end (E2E) process vision. Change management and continuous improvement. Analytical skills and KPI-driven management. Effective communication and cross-functional collaboration. Influence and stakeholder management. Organization and time management. Strategic thinking. Problem solving. Ability to work under pressure and resilience. 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 \u002F 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.",{"id":219,"slug":220,"title":221,"location":10,"raw_job_location_address_addressLocality":10,"raw_hiringOrganization_logo_url":10,"raw_description":222},21895,"credit-risk-analyst-risks-zinia-ptg-open-bank-sa","CREDIT RISK ANALYST – RISKS (ZINIA)","CREDIT RISK ANALYST – RISKS (ZINIA) Country: Spain CREDIT RISK ANALYST – RISKS (ZINIA) 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. Mission and responsibilities: In Openbank's credit risk team you will work with many areas in different tasks across functions, products, and regions to develop the portfolio, monitor portfolio performance and ensure that the business is on target for profitability and performance. Members of the Risk team are involved firsthand in new business initiatives, improvements to the current business, or adapting the business to regulatory and legal changes. We are looking for a professional who specializes in data managing and has a 360-degree view of the credit product lifecycle: admission , limits management and portfolio management. An expert in defining data processes and then being able to make data-driven decisions combining business needs and seeking a balance of risk-adjusted profitability, balancing knowledge of portfolio management, modelling, business with a quantitative and programming base. Someone who will lead the initiative for preventative and reactive actions towards any factors impacting credit performance and portfolio profitability. The main tasks of this role will be the following: Structure risk management data. Manage the performance of the credit card portfolio. Define short- and long-term underwriting and enhancement policies based on portfolio and business requirements. Work with Risk Modeling team to design, develop and implement credit risk models both for admission and limit management. Manage risk appetite based on business cases. Maintain key policies, procedures, and controls. Collaboration with key stakeholders in project development. Efficient intake processes and portfolio performance by controlling risk assumption. Detect new risks that require immediate action and implement action plans. Identify early corrective actions on deteriorating receivables, in collaboration with the recovery management team. To be successful in the role you must have: +3 years of experience in data management. Bachelor's degree in a quantitative\u002Fanalytical field, such as engineering, statistics, math, economics, or management. Desirable Analytical skills on main profitability and risk KPIs, and modelling data (cost of credit, VMG, NPL, PD , LGD). Desirable knowledge on IFRS9 credit provisions. Desirable experience in the European credit market. Desirable understanding of credit scoring and behavioral scoring models, especially for credit card portfolios. Experience with visualization tools (Quicksight), and programming languages (SQL, Python, Apache Spark..) Fluent English and Spanish 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 \u002F 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.",{"id":224,"slug":225,"title":226,"location":10,"raw_job_location_address_addressLocality":10,"raw_hiringOrganization_logo_url":10,"raw_description":227},21897,"contact-center-trainingampquality-and-process-improvement-specialist-banking-operations-zinia-ptg-open-bank-sa","Contact center Training&Quality and Process Improvement Specialist – Banking Operations (Zinia)","Contact center Training&Quality and Process Improvement Specialist – Banking Operations (Zinia) Country: Spain Contact center Training&Quality and Process Improvement Specialist – Banking Operations (Zinia) 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. Mission and responsibilities: In charge of the Quality assurance, training and continuous improvement of procedures, scripts and excellence on delivery of contact center and operational support processes to ensure best in class customer experience. You will be generating and improving operative contact center processes, quality standards, training materials and agents scripts coordinated with local Contact Center managers and internal support areas (Risks, Security, IT, Operations….) in order to look for the best practices to be shared and extended to other geographies. The main tasks of this position will be the following: Identify, request and coordinate inputs from different internal areas in order to create scripts and manuals for contact center agents. Delivery of train the trainers\u002Fagents supporting kick off, ramp-up and continuous development. Coordination, training and calibration of contact center managers, and QA analysts in monitoring activity. Address customer pain points on current procedures and scripts with internal departments. Running root-cause analysis to identify possible improvements on the current procedures based on quantitative and qualitative information. Identifying and helping to implement CC control and servicing processes that will improve advisors performance. Designing manuals and delivering train the trainers\u002Fagents materials. Coordinating, training and calibration of contact center managers, and QA analysts in monitoring activity. To be successful in the role you must have +5 years of experience improving operations in a contact center in a cross functional area (Training & quality, Transformation, Process improvement, Customer Experience). Fluent English and Spanish written and oral is a must. German and other languages will be a plus! Solid understanding of Contact Center coordination and organization. Prior experience with Contact Center set up(s), ideally with strong IT component, solid understanding of IT life cycle and IT implementations Ownership and accountability to identify solutions and follow up end-to-end implementation throughout the Organization Customer service orientation and experience in Process improvement COPC knowledge will be an advantage Knowledge on Contact Center technical tools, CRM and process design tools Availability to travel occasionally. 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 \u002F 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.",{"id":229,"slug":230,"title":231,"location":10,"raw_job_location_address_addressLocality":10,"raw_hiringOrganization_logo_url":10,"raw_description":232},21904,"head-of-product-zinia-openbank-ptg-open-bank-sa","Head of Product ZINIA - OPENBANK","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\u002FB 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\u002FML, 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\u002FLLM 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\u002F3, AML\u002FKYC, 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 \u002F 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.",{"id":234,"slug":235,"title":236,"location":10,"raw_job_location_address_addressLocality":10,"raw_hiringOrganization_logo_url":10,"raw_description":237},21912,"product-development-jr-analyst-ptg-open-bank-sa","Product Development Jr Analyst","Product Development Jr Analyst Country: Spain Join Openbank, the 100% digital bank of the Santander Group, where innovation meets opportunity! With over 2 million customers across Spain, Germany, the Netherlands, Portugal, we're leading the way in digital banking. From loans and mortgages to a cutting-edge, fully automated investment platform, our products are transforming the industry. At Openbank, we pride ourselves on simplicity, agility, and security, earning us the title of the most recommended Spanish bank among our customers. Technology is in our DNA and we are constantly developing new digital solutions and products. And we're not stopping there! At Openbank we are proud to be a bank that is gaining more and more international presence, we have just landed in the United States and Mexico. If you're passionate about digital innovation, eager to make an impact, and ready to be part of a dynamic and forward-thinking company, then we want to hear from you! Join us and be part of our journey to redefine banking for the digital age! Mission and responsibilities: As a Product Development analyst, you will be responsible for the support to increase card sales, especially credit, and manage card portfolio (use, installments, etc.) The main tasks of this role will be the following: Periodic monitoring of sales results, with focus on input KPIs, e.g. funnel, conversion rates, campaigns, etc., differentiating by channel, both internal (app, web and contact center) and external (SEM, SEO, aggregators, display, etc.). Support in developing new initiatives to achieve card's goals drafting and reviewing business cases and aligning with rest of areas, e.g. finance, commercial, etc. Propose new business opportunities: campaigns, e.g. targeted to niche propensity segments; change in product characteristics, eg. price or new products that cover unresolved customer needs. Monitoring card portfolio metrics, e.g. use (number of purchases and €\u002Fpurchase), euro vs non-euro currency, installments, etc and customer churn. Periodic monitoring of card portfolio results, with focus on input KPIs in all card products, building detailed data tree to identify business opportunities. Monitor cards’ competitors (financial and non-financial players), and post-mortem campaigns’ analysis, e.g. customer behavior monitoring after end-campaigns Support in definition of commercial strategy by channels with proposal and launch of campaigns and actions, e.g. with customer propensity models to different usage (euro\u002Fnon-euro, installment, potential churn, etc.), coordinating rest of areas, e.g. legal, compliance, finance, on-line marketing, contact center, etc. To be successful in the role you must have: +1 year of experience in similar positions Bachelor degree in Business Administration or engineering Fluent in English and Spanish Proactive. Analytical capabilities Good communication skills both written and oral Excellent Microsoft Office tools capabilities: Advanced Excel & Power point (Power BI and Access is a plus) Attention to the detail 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 \u002F 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.",{"id":239,"slug":240,"title":241,"location":10,"raw_job_location_address_addressLocality":10,"raw_hiringOrganization_logo_url":10,"raw_description":242},21921,"zinia-risk-analyst-risks-openbank-ptg-open-bank-sa","Zinia Risk Analyst – Risks (Openbank)","Zinia Risk Analyst – Risks (Openbank) Country: Spain Zinia Risk Analyst – Risks (Openbank) 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. Mission and responsibilities: In Openbank's credit risk team you will work with many areas in different tasks across functions, products, and regions to develop the portfolio, monitor portfolio performance and ensure that the business is on target for profitability and performance. Members of the Risk team are involved firsthand in new business initiatives, improvements to the current business, or adapting the business to regulatory and legal changes. We are looking for a professional who specializes in data managing and has a 360-degree view of the credit product lifecycle: admission , limits management and portfolio management. An expert in defining data processes and then being able to make data-driven decisions combining business needs and seeking a balance of risk-adjusted profitability, balancing knowledge of portfolio management, modelling, business with a quantitative and programming base. Someone who will lead the initiative for preventative and reactive actions towards any factors impacting credit performance and portfolio profitability. The main tasks of this role will be the following: Structure risk management data. Manage the performance of the credit card portfolio. Define short- and long-term underwriting and enhancement policies based on portfolio and business requirements. Work with Risk Modeling team to design, develop and implement credit risk models both for admission and limit management. Manage risk appetite based on business cases. Maintain key policies, procedures, and controls. Collaboration with key stakeholders in project development. Efficient intake processes and portfolio performance by controlling risk assumption. Detect new risks that require immediate action and implement action plans. Identify early corrective actions on deteriorating receivables, in collaboration with the recovery management team. To be successful in the role you must have: +4 years of experience in data management. Bachelor's degree in a quantitative\u002Fanalytical field, such as engineering, statistics, math, economics, or management Desirable Analytical skills on main profitability and risk KPIs, and modelling data (cost of credit, VMG, NPL, PD , LGD) Desirable knowledge on IFRS9 credit provisions Desirable experience in the European credit market Desirable understanding of credit scoring and behavioral scoring models, especially for credit card portfolios Experience with visualization tools (Quicksight), and programming languages (SQL, Python, Apache Spark..) Fluent English and Spanish 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 \u002F 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.",{"id":244,"slug":245,"title":246,"location":10,"raw_job_location_address_addressLocality":201,"raw_hiringOrganization_logo_url":10,"raw_description":247},77557,"customer-acquisition-strategy-lead-growth-openbank-open-bank-sa","Customer Acquisition Strategy Lead - Growth (Openbank)","Customer Acquisition Strategy Lead - Growth (Openbank) Country: Spain IT STARTS HERE Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Openbank the digital bank of Santander Group, is transforming the financial sector by helping millions of people from different countries managing their money. We deliver simple, fast, and secure mobile-first banking experiences through everyday banking, lending, and investments. Our core DNA—simplicity, agility, and technology—drives us to make banking accessible, intuitive, and innovative. Working through multidisciplinary teams, we prioritize innovation, collaboration, and digital transformation. We make decisions quickly, learn from our users, and constantly adapt. We're seeking passionate individuals who are excited about digital innovation, eager to impact millions of lives, and ready to thrive in a dynamic, high-performing, agile environment. Join us and be part of the digital revolution in banking. THE DIFFERENCE YOU MAKE Openbank is looking for a Customer Acquisition Strategy Lead based out of Madrid, Spain. Customer Strategy is part of Openbank's Growth organization and is responsible for defining the bank's commercial strategy across the customer lifecycle. As the starting point of the commercial journey, the team combines customer, market and business insights to shape the strategic priorities that drive acquisition, engagement and long-term value. Working cross-functionally across Growth, Customer Strategy ensures these priorities are translated into measurable business outcomes. As Customer Acquisition Strategy Lead, you will drive Openbank's customer growth by shaping the long-term acquisition strategy and ensuring it translates into sustainable business results. You will combine market insights, customer understanding and business analysis to identify growth opportunities, influence strategic decisions and accelerate the evolution of our commercial proposition across the end-to-end customer journey. We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: Define and continuously evolve Openbank's customer acquisition strategy, identifying growth opportunities through market analysis, competitive benchmarking and customer insights. Design differentiated commercial initiatives and long-term acquisition propositions aligned with Openbank's value proposition and strategic priorities. Analyze the end-to-end analysis of the acquisition funnel, identifying conversion opportunities, customer frictions and optimization levers across the digital customer journey. Monitor acquisition KPIs and commercial performance, generating insights to support strategic decision making and proactively identifying risks and opportunities. Prioritize strategic initiatives and budget allocation balancing customer growth, acquisition quality, commercial objectives and business efficiency. Lead cross-functional initiatives, coordinating Product, Marketing, Data, Operations and Technology teams to ensure successful execution and timely delivery of strategic projects. WHAT YOU’LL BRING Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We’re enabling teams to go beyond by valuing who they are and empowering what they bring. The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Professional Experience 5+ years of experience in Strategy Consulting or in Corporate Strategy, Business Development, Growth or Commercial Strategy roles within Banking, Financial Services or Digital businesses. Proven experience defining growth or commercial strategies based on data and business insights. Experience analysing business performance, customer behaviour and commercial KPIs. Experience leading cross-functional strategic initiatives involving multiple stakeholders. Previous experience in digital banking, customer acquisition or digital growth environments will be highly valued. Education Bachelor's Degree in Business Administration, Economics, Marketing, Engineering, Mathematics or a related field. (Required) Additional education or certifications in Strategy, Data Analytics, Marketing or Digital Business. (Preferred) Language Spanish (Full Professional Proficiency). English (Professional Working Proficiency – C1). Hard Skills Required Customer-centric mindset. Strategic vision for customer acquisition and growth. Strong analytical skills with the ability to translate data into strategic decisions. Cross-functional coordination and stakeholder management. Strong execution focus and prioritization. Preferred CRM & Digital Marketing ecosystems. Banking Products & Customer Lifecycle. Soft Skills Structured Problem Solving. Ownership & Accountability. Rigor and attention to detail. Collaboration and influencing skills. Curiosity & Continuous Improvement. WE VALUE YOUR IMPACT Your contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers. We offer more than just a paycheck—our benefits are designed to support your life, your goals and your well-being, now and into the future. Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing We know family is everything. That’s why we offer parental leave, childcare support and family-friendly programmes tailored to each life stage. We’re enable our teams to go beyond through global opportunities and broad career paths. We believe in the power of helping. You can dedicate part of your working hours to volunteering We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way. Openbank 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. with registered office at Avenida de Cantabria, n\u002Fn, 28660 Boadilla del Monte (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 Openbank Privacy Policy applicable to this type of data processing here READY TO TAKE THE NEXT STEP IN YOUR JOURNEY? The Santander Way Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Ready to make it happen? It starts with you. It starts here.",{"id":249,"slug":250,"title":251,"location":10,"raw_job_location_address_addressLocality":201,"raw_hiringOrganization_logo_url":10,"raw_description":252},77563,"product-manager-openbank-app-digital-channels-open-bank-sa","Product Manager - Openbank App (Digital Channels)","Product Manager - Openbank App (Digital Channels) Country: Spain IT STARTS HERE Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Openbank the digital bank of Santander Group, is transforming the financial sector by helping millions of people from different countries managing their money. We deliver simple, fast, and secure mobile-first banking experiences through everyday banking, lending, and investments. Our core DNA—simplicity, agility, and technology—drives us to make banking accessible, intuitive, and innovative. Working through multidisciplinary teams, we prioritize innovation, collaboration, and digital transformation. We make decisions quickly, learn from our users, and constantly adapt. We're seeking passionate individuals who are excited about digital innovation, eager to impact millions of lives, and ready to thrive in a dynamic, high-performing, agile environment. Join us and be part of the digital revolution in banking. THE DIFFERENCE YOU MAKE Openbank is looking for a Product Manager based out of Madrid. You will work with one cross-functional squad focused on improving a key part of the Openbank mobile app. The wider team owns the overall app experience, with Product Managers leading different areas and customer journeys while working together to create a simple, connected and consistent experience across the app. You will partner closely with Engineering, Design\u002FUX, Data, Operations, Customer Growth, Customer Needs, and Risk, Legal and Compliance. You will also collaborate with other product teams, platform teams and international stakeholders across Openbank and Santander. Your job is to understand the most important customer problems within your area, turn them into clear product opportunities, and drive the work from discovery → shipped product → measurable outcomes. This is a hands-on product role focused on discovery, prioritization, delivery and continuous improvement. It is not an operations, service-delivery or project-coordination role. We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: Own the roadmap and prioritisation for a product area or customer journey within the Openbank app. Work with Engineering, Design, Data and business partners to align the squad around clear customer and business outcomes. Define and track product metrics across activation, engagement, conversion, retention, self-service and customer satisfaction. Lead product discovery using customer feedback, UX research, product data and experimentation. Identify customer friction and opportunities to simplify complex banking journeys. Translate customer and business needs into clear hypotheses, MVPs, product requirements and success criteria. Prioritise based on customer value, business impact, regulation, technical feasibility and strategic alignment. Drive products and features through delivery, launch and optimisation, using evidence to improve or change direction. Collaborate with other Product Managers to ensure a consistent and connected experience across the app. WHAT YOU’LL BRING Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We’re enabling teams to go beyond by valuing who they are and empowering what they bring. The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Professional Experience +4-6 years in product management, owning consumer app experiences end-to-end – from discovery and prioritization through launch, optimisation and measurable outcomes. Experience working with a cross-functional squad in a complex, product-led organisation. Strong product sense and a track record of building simple, intuitive mobile-first customer experiences. Experience taking ambiguous customer problems from idea → shipped product → measurable outcomes. Experience in banking, fintech, financial services or another regulated digital environment (preferred). Language Fluent in English (Required) Hard Skills Data-informed mindset; comfortable with funnels, instrumentation, experimentation and product KPIs. Strong discovery and prioritisation skills, using customer evidence, product data and business impact to make decisions Soft Skills Excellent communication and stakeholder management. A strong sense of ownership: you work end-to-end, move with pace, and take responsibility for product outcomes. WE VALUE YOUR IMPACT Your contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers. We offer more than just a paycheck—our benefits are designed to support your life, your goals and your well-being, now and into the future. Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing We know family is everything. That’s why we offer parental leave, childcare support and family-friendly programmes tailored to each life stage. We’re enable our teams to go beyond through global opportunities and broad career paths. We believe in the power of helping. You can dedicate part of your working hours to volunteering We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way. Openbank 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. with registered office at Avenida de Cantabria, n\u002Fn, 28660 Boadilla del Monte (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 Openbank Privacy Policy applicable to this type of data processing here READY TO TAKE THE NEXT STEP IN YOUR JOURNEY? The Santander Way Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Ready to make it happen? It starts with you. It starts here.",{"id":254,"slug":255,"title":256,"location":10,"raw_job_location_address_addressLocality":10,"raw_hiringOrganization_logo_url":10,"raw_description":257},19508,"compliance-specialist-wealth-amp-investment-products-compliance-openbank-ptg-open-bank-sa","Compliance Specialist — Wealth & Investment Products– Compliance (OPENBANK)","Compliance Specialist — Wealth & Investment Products– Compliance (OPENBANK) Country: Spain Compliance Specialist — Wealth & Investment Products– Compliance (OPENBANK) Join Openbank, the 100% digital bank of the Santander Group, where innovation meets opportunity! With over 2 million customers across Spain, Germany, the Netherlands, Portugal, we're leading the way in digital banking. From loans and mortgages to a cutting-edge, fully automated investment platform, our products are transforming the industry. At Openbank, we pride ourselves on simplicity, agility, and security, earning us the title of the most recommended Spanish bank among our customers. Technology is in our DNA and we are constantly developing new digital solutions and products. And we're not stopping there! At Openbank we are proud to be a bank that is gaining more and more international presence, we have just landed in the United States and Mexico. If you're passionate about digital innovation, eager to make an impact, and ready to be part of a dynamic and forward-thinking company, then we want to hear from you! Join us and be part of our journey to redefine banking for the digital age! Mission and responsibilities: Our Compliance department is looking for a Compliance & Investment expert based in Madrid with experience in providing regulatory support and advisory services within the investment and banking sector. As a Compliance Officer (Investment Products), you’ll play a key role in ensuring our compliance with all applicable regulations, particularly within the investment products landscape. Here’s what your day-to-day will include: Compliance Framework: Support the implementation and maintenance of a robust Compliance Monitoring Programme for investment services and products (MiFID II, MiCA, SFDR). Perform second-line defense controls, identify weaknesses, and issue recommendations. Risk Management: Identify, assess, and mitigate compliance risks associated with existing and new investment products, including risks related to crypto-assets. Support the management of compliance incidents. Regulatory Advisory: Monitor regulatory changes and advise Wealth and Product teams on potential impacts to investment activities. Compliance Reporting: Support in timely and accurate regulatory reporting, including the Compliance Committee. Draft regular compliance reports for senior management to support informed decision-making. Regulatory Strategy & Licensing: Contribute to regulatory strategy and support future license extension processes. Policies & Procedures: Draft, update, and maintain compliance policies and control documentation to reflect regulatory changes and improve operational effectiveness. Supervisor & Auditor Interaction: Support interactions with supervisors (mainly the CNMV\u002FESMA) regarding investment services, inspections, and updates. Assist in coordinating and preparing audit responses Training: Help develop and deliver compliance training programs for employees. Cross-functional Collaboration: Work closely with Legal, Risk, Technology & Operations, and Business Investment teams to promote a strong compliance culture. To be successful in the role you must have: +5 years of experience in compliance or regulatory advisory within the investment sector. University or Master’s degree in Law, Business Administration, Economics, or related field. Strong regulatory knowledge, with experience working within compliance frameworks; direct exposure to audits and inspections is a plus. Solid understanding of European regulations, especially MiFID II; knowledge of MiCA is highly desirable. High level of English (C1), both written and spoken. Excellent communication and writing skills, with the ability to convey complex information clearly. Strong organizational skills and ability to work independently. Curiosity, proactivity, and a drive to learn and take initiative. Nice-to-have qualifications: Experience with SFDR and crypto-asset regulations. Background in regulatory reporting and direct interaction with supervisors. Experience in digital banking, fintech, or agile environments. Compliance or risk-related certifications. 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 \u002F 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.\u002F 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\u002FOpenbank Privacy Policy applicable to this type of data processing here.  The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect."]