Product Owner Insurance Value Chain ManagerCountry: SpainIT STARTS HERESantander () 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 MAKEWealth Management & Insurance is looking for a

Product Owner Insurance Value Chain Manager

based out of Madrid. Lead the development and execution of Santander’s global digital insurance initiatives and embedded insurance capabilities across the bank ecosystem. We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: Lead the development and execution of Santander’s global digital insurance initiatives and embedded insurance capabilities across the bank ecosystem.You will be responsible for: Driving the evolution of the global insurance digital ecosystem

Leading strategic digital insurance projects across channels and countries

Developing embedded insurance propositions integrated into banking journeys

Coordinating and leading an international development squad based in Brazil

Building scalable, reusable and modular digital insurance capabilities

Ensuring alignment between business, customer experience and technology teams

You will act as the key bridge between business strategy, customer needs and technology execution. SCOPE OF RESPONSIBILITYThis role covers: Integral 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 RESPONSABILITIES:1. Digital Insurance Strategy & VisionDefine and evolve the digital insurance roadmap in alignment with business priorities

Drive the embedded insurance strategy across Santander ecosystems

Identify opportunities to integrate insurance into banking journeys and digital experiences





Ensure alignment with:

Global Digital strategy

Customer experience vision

Technology architecture

Commercial priorities 2. Product Ownership & Digital DeliveryOwn and prioritize the digital insurance backlog

Translate business needs into epics, features and user stories

Lead end-to-end delivery of digital insurance initiatives

Ensure scalable and reusable capability development

Drive agile delivery methodologies and continuous improvement

Coordinate releases, testing and production readiness 3. Embedded Insurance DevelopmentLead the development of embedded insurance experiences across Santander channels, including: Digital onboarding journeys and ecosystems Cards and payments journeys Contextual insurance offers

Integrated protection services

Drive seamless customer experiences combining banking and insurance propositions. 4. Team Leadership & Delivery CoordinationLead 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 5. Customer Experience & Journey DesignDesign end-to-end digital insurance journeys

Improve customer servicing and self-service capabilities

Ensure omnichannel consistency across experiences

Drive personalization and contextual engagement

Enable frictionless customer interactions 6. Stakeholder ManagementCoordinate 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 BRINGOur 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 Experience12+ years of experience in:

Product Owner (Required)

Digital Product Management (Required)

Digital Transformation (Required)

Insurance or Financial Services (Required)

Strong experience delivering digital products and platforms (Required)

Experience working in agile environments with technology teams (Required)

Experience managing distribution or international teams (Required)

Proven experience leading complex digital initiatives end-to-end (Required)





Experience in platform-based or modular architecture (Preferred)

Experience in insurance ecosystems or marketplaces (Preferred)

Experience in global / multi-country environments (Preferred)

EducationBachelor’s degree in Business, Engineering, Marketing or related field. (Required)MBA or postgraduate studies. (Preferred)LanguagesFluent in English and Spanish. (Required)Hard SkillsStrong digital product mindset (Required)

Agile delivery and prioritization capabilities (Required)

Systems thinking and platform orientation (Required)

Knowledge of:

Claims processes (Preferred)

Policy administration (Preferred)

Customer 360 / data models (Preferred)

Embedded insurance models (Preferred)

Banking-insurance ecosystems (Preferred)

Soft SkillsLeadership 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 IMPACTYour 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 () 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 COMPLIANCESantander 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 NEXTIf this sounds like a role you are interested in, then please apply. READY TO TAKE THE NEXT STEP IN YOUR JOURNEY?SummaryLocation: MadridType: Full time

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