Senior Digital Product Manager – Decide & Invest

Senior Digital Product Manager – Decide & InvestCountry: Spain

IT STARTS HERE

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.

The Wealth Management & Insurance division covers three businesses in all Santander Group countries: Insurance, Asset Management and Private Banking. We work to provide the best solutions to our clients in these three businesses in the 10 countries where we are present.

THE DIFFERENCE YOU MAKE

Savings & Investments Domain is looking for a Senior Digital Product Manager – Decide & Invest, based in Boadilla (Madrid).

As a Senior Digital Product Manager, you will own one of the core customer missions within Santander's global Savings & Investments platform: Decide & Invest.

You will define the vision, strategy and evolution of the end-to-end digital investment experience, helping millions of Santander customers discover, decide and execute investments across multiple markets and channels.

We're transforming the way customers save and invest through innovation, AI, customer-centric design and global platforms. This role offers a unique opportunity to build products at global scale with direct business impact.

Working at the intersection of business, customer experience, data and technology, you will lead one of the most strategic product areas within the Savings & Investment platform, driving innovation while ensuring a consistent, scalable and customer-centric experience across countries.

You will partner closely with local banks, technology teams, Product Owners and senior stakeholders to translate strategic priorities into tangible customer value, shaping the future of Santander's digital investment capabilities.

You will play a key role in building Santander's global digital investment platform, designing scalable capabilities that can be adopted across multiple countries while remaining flexible enough to address local regulatory, business and customer needs. Your challenge will be to balance global standardisation with local adaptability, enabling faster time-to-market, greater reuse of capabilities and a consistent customer experience across the Group.

In this role you will:

Product Strategy, Vision & Definition

• Analyse customer needs, competitors, market trends and business priorities. Identify opportunities to improve customer experience and simplify investment journeys.

• Own the vision, strategy and roadmap for the Decide & Invest customer mission.
• Define and continuously evolve the end-to-end customer journey, covering onboarding, profiling, suitability, portfolios, investment execution and servicing.
• Design omnichannel-oriented experiences across channels, while giving response to different customer segments’ needs.
• Translate product strategy into detailed functional requirements.
• Deliver a unified investment experience across investment capabilities.
• Balance customer needs, business priorities and technical constraints to maximise customer and business value.

Customer Experience & Journey Optimisation

• Simplify investment journeys and improve customer experience through data-driven product decisions.
• Design intuitive investment journeys that increase conversion and reduce friction throughout the investment process.
• Challenge existing processes to make Regulatory and Compliance requirements as simple, intuitive and customer friendly as possible while ensuring full regulatory compliance.
• Continuously identify customer pain points and convert them into product opportunities.
• Drive consistency across journeys, channels and markets.
• Act as the voice of the customer, translating customer needs into product strategy and roadmap priorities.

Product Delivery

• Lead the end-to-end product lifecycle, from discovery and prioritisation to delivery and continuous optimisation.
• Coordinate Product Owners, countries, technology teams and business stakeholders to ensure scalable global delivery.
• Manage dependencies, risks and cross-functional alignment across multiple initiatives.
• Ensure product adoption and rollout across countries.
• Promote collaboration across customer missions to deliver a seamless end-to-end investment experience.

Product Performance

• Define product success metrics and monitor customer, business and operational KPIs.
• Drive product adoption, rollout and change management across countries.
• Identify opportunities for optimisation, innovation and continuous improvement.
• Monitor market trends, competitor initiatives and emerging technologies, translating insights into product strategy.
• Manage internal and external partners where required.

Country adoption responsible for a set of core markets

• Country roadmap alignment
• End-to-end customer experience delivered
• Business readiness
• Local business priorities
• Functional rollout support
• Market feedback & continuous improvement

You will think like an entrepreneur, combining customer obsession, commercial impact and technology to build products that scale across multiple markets.

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

• 8+ years of relevant experience as a Product Manager, Senior Product Owner, Program Manager or similar role in digital environments.
• Experience owning digital products or leading complex digital initiatives with cross-functional and international stakeholders.
• Strong background in digital banking, wealth management, fintech, e-commerce or online platforms.
• Experience leading complex, multi-country digital initiatives.
• Solid understanding of Agile delivery and digital product development.
• Strong stakeholder management and communication skills, including interaction with senior profiles.
• Ability to translate complex concepts into clear, actionable strategies and roadmaps.
• Good understanding of technology concepts and development principles.
• Strong product mindset with the ability to combine strategic thinking, customer obsession and hands-on execution.
• UX-oriented with high attention to detail.
• Excellent organizational and prioritization skills.

Education

• University degree in Business, Economics, Engineering, Data, Technology or related fields (Preferred)

Languages

• Fluent English and Spanish (Required).

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’re enable our teams to go beyond through global opportunities and broad career paths.
• Flexibility that works. Enjoy a hybrid working models—some days remote, some days onsite with your team—along with flexible hours.
• Learning for life. Access hundreds of courses on our platforms, including exclusive access to our global learning space: Santander Open Academy (www.santanderopenacademy.com)
• Competitive rewards. Receive a highly competitive salary with performance-based bonuses, motivating you to keep growing with us.
• Financial advantages. Benefit from preferential banking terms, special interest rates on loans, life insurance, and more.
• 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 childcare support and family-friendly programmes tailored to each life stage.
• Always by your side. Get access to Santander Contigo, our program for employees and their families offering legal, emotional, and administrative advisory services.
• Extra benefits. Gym/WellHub membership, medical centers in some of our facilities, meal subsidy, parking, shuttle service from various points in Madrid, as well as exclusive discounts and offers for Santander employees. And that’s only the beginning—we’ll tell you more when you join!

We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way.

LOCAL COMPLIANCE

Santander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.

WHAT TO DO NEXT

If this sounds like a role you are interested in, then please apply.

READY TO TAKE THE NEXT STEP IN YOUR JOURNEY?