Product Director - Lending & Mobility (Global Auto Domain)

About the role

At Openbank, part of Santander, the Product Director for Lending & Mobility will shape the global automotive financing platform, turning fragmented local solutions into a unified, API‑driven offering that supports loans, leasing and emerging mobility models.

Key responsibilities

• Define product vision, strategy and roadmap for automotive financing across lending and leasing.
• Own end‑to‑end product development from concept to rollout, adoption and optimisation.
• Shape propositions balancing customer experience, partner requirements, commercial goals and risk appetite.
• Collaborate with Technology, Design, Data, Risk, Operations and market teams to translate priorities into scalable solutions.
• Drive standardisation of product capabilities across markets while allowing local configuration.
• Ensure pricing, underwriting, affordability, eligibility and compliance are embedded in product design.
• Support dealer, OEM and third‑party integrations within embedded finance journeys.
• Lead rollout and adoption across markets, aligning with regulatory and operational requirements.
• Use performance data and market feedback to refine priorities and improve commercial outcomes.
• Promote data‑ and AI‑enabled decisioning while guaranteeing transparency and regulatory compliance.

Required profile

• Proven product leadership experience in automotive finance, leasing or mobility financing.
• Strong understanding of credit, risk and regulatory requirements in financial services.
• Track record of scaling products across multiple markets and distribution channels.
• Ability to influence senior stakeholders and align cross‑functional teams.
• Excellent analytical mindset with data‑driven decision making.

Required skills

• Product management methodologies.
• API‑driven product design.
• Data analytics and AI decisioning concepts.
• Knowledge of pricing, underwriting and compliance frameworks.