Cards & Payments Product Innovation Specialist

About the role

Openbank, Santander's global digital consumer bank, is looking for a Cards & Payments Product Innovation Specialist based in Madrid. The role drives the evolution of the cards and payments proposition with a fintech mindset, turning customer needs, market trends and new opportunities into simple, distinctive and scalable digital products. It owns product definition and business prioritization, giving delivery teams clear customer journeys, functional requirements, acceptance criteria and measurable outcomes.

Key responsibilities

• Identify unmet customer needs, fintech and retail digital trends and new business opportunities, and turn them into differentiated product concepts and scalable propositions.
• Define the product vision, value proposition and opportunity pipeline, and prioritize initiatives by customer value, differentiation, business potential, strategic alignment and speed to market.
• Define simple, intuitive customer journeys, business rules, functional requirements and acceptance criteria, ensuring commercial, regulatory and operational viability.
• Use customer insight, market analysis and product KPIs to validate opportunities, build business cases and assess impact.
• Coordinate Digital Channels, UX, Technology, Operations, Risk, Compliance, Growth and external partners, while keeping day-to-day project management, testing and implementation with delivery teams.
• Assess fintech, payments, digital commerce and regulatory developments and identify partnership or ecosystem opportunities.

Required profile

• 4 years of relevant experience; product excellence and tangible outcomes are valued above tenure.
• Degree in Business Administration, Engineering, Economics, Finance, Design, Technology or a similar field (required).
• High level of English (required).
• Experience in fintech, payments, digital commerce, wallets, card issuing/acquiring or consumer digital products is especially valued; candidates from outside traditional banking are strongly encouraged.

Required skills

• Strong knowledge of payments, card products or adjacent fintech propositions (required).
• Ability to turn loosely defined opportunities into product concepts, experiments and scalable propositions (required).
• Strong analytical and commercial capabilities, and ability to prioritize (required).
• Experience defining customer journeys, value propositions, functional requirements, business rules and acceptance criteria (required).
• Ability to coordinate and influence cross-functional teams and external partners.

What we offer

• A fair, competitive reward package reflecting impact and value delivered.
• Wellness programme (BeHealthy), parental leave, childcare support and family-friendly programmes.
• Global opportunities and broad career paths.
• Part-time volunteering option.