Cards candidates from outside traditional banking are strongly encouraged.
Education • Business Administration, Engineering, Economics, Finance, Design, Technology or a similar degree (required).
• Additional knowledge of payments, cards, fintech, digital commerce, customer experience or digital product development will be highly valued (preferred).
Language • High level of English (Required) Hard Skills Strong knowledge of payments, card products or adjacent fintech propositions.
(Required)
Demonstrated ability to identify unmet customer needs and turn loosely defined opportunities into differentiated product concepts, experiments and scalable propositions.
(Required)
Outstanding product judgment and a high bar for quality, simplicity and customer experience.
(Required)
Strong analytical and commercial capabilities, able to interpret customer, market, competitor and KPI/economics data to identify opportunities and assess impact.
(Required)
Ability to prioritize based on customer value, differentiation, business potential, strategic alignment, speed to market and execution complexity.
Experience defining customer journeys, value propositions, functional requirements, business rules and acceptance criteria.
(Required)
Ability to coordinate and influence Digital Channels, UX, Technology, Operations, Risk, Compliance, Growth and external partners.
Resilience and pragmatism to push valuable ideas through complexity without losing customer simplicity.
Soft Skills Curiosity and the ability to learn the banking and operational model quickly are essential.
Entrepreneurial mindset, curiosity and ambition to build, test and improve new propositions.
Constructive challenger,



comfortable questioning established assumptions and navigating organizational constraints.
High energy and bias for action, with ownership to move ideas from opportunity identification to validation, business case and delivery.
Original thinker who brings external perspectives and avoids replicating existing ways of working.
Ability to inspire teams and create momentum around a compelling product vision.
Strong written and oral communication skills, including senior stakeholder communication.
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 offer more than just a paycheck— our benefits are designed to support your life, your goals and your well-being, now and into the future.
Your health is our priority.
Through BeHealthy, our integral wellness programme, we promote Holistic wellbeing We know family is everything .
That's why we offer parental leave, childcare support and family-friendly programmes tailored to each life stage.
We're enable our teams to go beyond through global opportunities and broad career paths.
We believe in the power of helping .
You can dedicate part of your working hours to volunteering We're here to keep you motivated , help you reach your goals, and celebrate your progress, every step of the way.
Openbank is an equal opportunity employer.
All applicants will be considered as equal without paying attention to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership nor disability status.
READY TO TAKE THE NEXT STEP IN YOUR JOURNEY?

📌 Cards & Payments Product Innovation Specialist - Openbank (Madrid)
🏢 Santander
📍 Madrid