Santander ( is evolving from a general, 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.

Country: Spain

The Wealth Management & Insurance Division

Product Owner Insurance Value Chain Manager – Madrid

Lead the development and execution of Santander’s global digital insurance initiatives and embedded insurance capabilities across the bank ecosystem. You will act as the key bridge between business strategy, customer needs and technology execution.

Scope of Responsibility

- Global insurance digital ecosystem evolution
- Embedded insurance initiatives across Santander channels
- Insurance customer journeys and servicing
- Insurance APIs and reusable capabilities
- Insurance marketplace and digital distribution
- Cross‑country digital insurance initiatives
- Coordination of nearshore development teams

Examples of embedded insurance initiatives may include:

- Insurance integration within Global Cards journeys
- StarPass insurance propositions
- Embedded protection experiences within banking products and channels
- Contextual and personalized insurance offers across digital touchpoints

Key Responsibilities

- Digital Insurance Strategy & Vision: Define and evolve the digital insurance roadmap in alignment with business priorities, drive embedded insurance strategy across Santander ecosystems.
- Identify opportunities to integrate insurance into banking journeys and digital experiences, ensuring alignment with Global Digital strategy, Customer experience vision, Technology architecture, Commercial priorities, Product Ownership & Digital Delivery.
- Own and prioritize the digital insurance backlog; translate business needs into epics, features and user stories.
- Lead end‑to‑end delivery of digital insurance initiatives:



coordinate releases, testing and production readiness.
- Drive agile delivery methodologies and continuous improvement.
- Lead development of embedded insurance experiences across Santander channels: digital onboarding journeys, cards and payments journeys, contextual insurance offers, integrated protection services.
- Team Leadership & Delivery Coordination: lead and coordinate a development squad based in Brazil; foster collaboration between Global business teams and Brazil technology teams; ensure delivery quality, execution discipline and agile best practices; manage priorities, dependencies and delivery timelines; promote a high‑performance and customer‑centric culture.
- Customer Experience & Journey Design: design end‑to‑end digital insurance journeys, improve customer servicing and self‑service capabilities, ensure omnichannel consistency, drive personalization and contextual engagement, enable frictionless customer interactions.
- Stakeholder Management: coordinate with global and local insurance teams and countries, partner with digital, technology, data and business stakeholders, align priorities across countries and platforms.

What You’ll Bring

Professional Experience

- 12+ years of experience in Product Owner, Digital Product Management, Digital Transformation, Insurance or Financial Services.
- Strong experience delivering digital products and platforms, working in agile environments with technology teams, managing distribution or international teams, leading complex digital initiatives end‑to‑end.




- Experience in platform‑based or modular architecture (Preferred).
- Experience in insurance ecosystems or marketplaces (Preferred).
- Experience in global / multi‑country environments (Preferred).

Education

- Bachelor’s degree in Business, Engineering, Marketing or related field (Required).
- MBA or postgraduate studies (Preferred).

Languages

- Fluent in English and Spanish (Required).

Hard Skills

- Strong digital product mindset, agile delivery and prioritization capabilities, systems thinking and platform orientation.
- Knowledge of: Claims processes, Policy administration, Customer 360 / data models, Embedded insurance models, Banking‑insurance ecosystems.

Soft Skills

- Leadership and team coordination capabilities.
- Strategic thinking with strong execution focus.
- Customer‑centric and journey‑driven approach.
- Strong stakeholder management and influencing skills.
- Strong communication in international environments.

We Value Your Impact

Compensation: a highly competitive salary with performance‑based bonuses.

Financial advantages: preferential banking terms, special interest rates on loans, life insurance and more.

Benefits: hybrid working model (remote and onsite), flexible hours, access to hundreds of learning courses through Santander Open Academy, wellness programme BeHealthy, childcare support, family‑friendly programmes, Santander Contigo legal & emotional support, gym/WellHub membership, medical centres, meal subsidy, parking, shuttle service from various points in Madrid, exclusive discounts for employees.

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.

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📌 Product Owner Insurance Value Chain Manager I (Madrid)
🏢 Santander
📍 Madrid