Business Lead, Cards Growth & Partnerships

About the role

ING is looking for a Business Lead to head its Cards Growth & Partnerships team within the Payments Tribe in Spain. The team's mission is to turn cards into a sustainable growth and income engine for ING Spain, driving customer acquisition, activation, usage and engagement, developing distinctive propositions and building strategic partnerships. The role works end-to-end, customer-focused and data-driven, bringing together Business, Tech, Ops and other stakeholders.

Key responsibilities

• Own the cards growth strategy, commercial performance and roadmap.
• Drive acquisition, activation, usage, engagement and retention across debit and credit cards.
• Lead the development of distinctive cards propositions and new growth opportunities.
• Build and manage strategic partnerships with schemes, processors, wallets, merchants and fintechs.
• Drive a data-led commercial approach, managing funnels, customer value and cards economics.
• Prioritise the cards growth portfolio and make customer, commercial and capacity trade-offs.
• Lead multidisciplinary teams and influence senior stakeholders across ING and external partners.
• Ensure strong risk management, execution and benefits realisation, and contribute to the overall Payments strategy.

Required profile

• Significant senior cards or payments product/commercial leadership experience.
• Master's degree or equivalent, with 10+ years of relevant professional experience.
• Experience developing customer propositions and strategic partnerships.
• Solid understanding of risk, regulatory and compliance requirements.

Required skills

• Strong commercial and P&L mindset, with solid knowledge of cards economics.
• Strategic, analytical and data-driven approach.
• Negotiation and senior stakeholder management skills.
• Ability to lead and inspire multidisciplinary teams.

What we offer

• Flexible working: work from home when needed and in-person when it matters.
• Meal allowance paid by card or in payroll.
• Health and life insurance covering you and your immediate family.
• Flexible remuneration with nursery vouchers, public transport and training support.
• Free shuttle service between Madrid areas and the ING office.
• Preferential loan conditions, special mortgage conditions after 6 months, and a pension plan after 1 month.
• Wellbeing support including on-site physiotherapy, Wellhub access and employee networks.