SCF HQ - Product Manager - Embedded Finance (Global Automotive)
SantanderWHY YOU SHOULD CONSIDER THIS OPPORTUNITY
At Openbank, we are building a global, digital-first Automotive platform, connecting customers, dealers, OEMs, and partners to deliver seamless financing and mobility solutions at scale.
This is a unique opportunity to join a high-impact global team at the centre of our automotive transformation. You’ll play a critical role in shaping how finance is embedded directly into partner ecosystems, from dealer channels and OEM platforms to digital marketplaces and direct-to-consumer journeys.
Working with some of our biggest and most important global partners, you will play a key role in owning and shaping the strategy, definition and delivery of embedded finance products that help our partners sell more vehicles, while creating brilliant customer experiences.
This role is ideal for a product manager who thrives at the intersection of customer insight, commercial strategy, technology and delivery.
The Job Role
As Product Manager – Embedded Finance, you will own the end-to-end product lifecycle for key embedded finance proposition across our global automotive ecosystem.
You’ll work closely with major OEMs, dealer and importer groups, and marketplace partners to understand their strategic priorities and customer journeys, translating these into scalable product solutions that can be built, launched and continuously optimised across multiple markets.
This is not a role focused purely on gathering requirements.
We’re looking for a true Product Manager who can shape what needs to be built, define the roadmap, drive prioritisation decisions and be accountable for successful delivery and commercial outcomes.
What you’ll be doing
Own product strategy and roadmap
Define the product vision and roadmap for embedded finance capabilities across global automotive channels
Identify opportunities through market insight, customer behaviour and partner strategy
Translate business needs into clear product propositions, MVP scope and phased delivery plans
Prioritise initiatives and make clear trade-off decisions based on customer value, technical feasibility and commercial impact
Lead the exploration of how we can harness the opportunities of agentic AI, using intelligent automation to transform customer and partner journeys, while maximising the discoverability and lead generation across AI channels.
Shape and deliver solutions
Lead discovery and solution design with engineering, data, operations, risk and commercial teams
Define what needs to be built to solve real customer and partner problems
Own product requirements, backlog priorities and delivery milestones
Be accountable for successful launch of product capabilities into production
Ensure solutions are scalable, modular and adaptable across global and local market needs
Drive delivery outcomes from concept through launch and post-release iteration
Build strategic partner relationships
Build strong working relationships with global OEMs, dealer groups, importer networks and marketplaces
Develop a deep understanding of partner strategies, priorities and growth plans
Collaborate with commercial and account teams to shape joint propositions and initiatives
Build trusted relationships with senior stakeholders internally and externally
Optimise performance and outcomes
Use data and analytics to drive product performance and commercial outcomes
Monitor funnel performance, conversion, approval rates and acquisition efficiency
Identify opportunities to improve customer journeys and increase partner value
Lead post-launch reviews and continuous optimisation cycles
Drive ROI through smarter processes, automation and product enhancements
Why join us
This is an opportunity to shape the future of mobility finance at global scale.
You’ll be joining a business investing heavily in digital innovation, working on products that sit at the heart of how customers discover, finance and manage vehicles in the future.
We offer:
A high-impact role with global visibility
Exposure to major international automotive partners
The opportunity to shape category-leading embedded finance journeys
Competitive compensation and career growth opportunities
International collaboration with teams across multiple markets
Would you like to grow with us? Join our team!
Santander 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.
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