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.

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. 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.

To succeed in this role, you will be responsible for: Lead the development and execution of Santander’s integral digital insurance initiatives and embedded insurance capabilities across the bank ecosystem.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. 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 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. 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.

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. We’re enable our teams to go beyond through global opportunities and broad career paths. Enjoy a hybrid working models—some days remote, some days onsite with your team—along with flexible hours.

Access hundreds of courses on our platforms, including exclusive access to our global learning space: Receive a highly competitive salary with performance-based bonuses, motivating you to keep growing with us. Benefit from preferential banking terms, special interest rates on loans, life insurance, and more.

Through

BeHealthy, our global wellness programme, we promote Holistic wellbeing. That’s why we offer childcare support and family-friendly programmes tailored to each life stage. Get access to Santander Contigo, our program for employees and their families offering legal, emotional, and administrative advisory services.

Extra benefits. 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.

SummaryLocation: MadridType: Full time

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