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.

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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

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- 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:

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- 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

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- 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 Integral Digital strategy, Customer experience vision, Technology architecture, Commercial priorities, Product Ownership & Digital Delivery.
- Own and prioritize the digital insurance backlog; translate business needs into

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