Cards & Payments Product Innovation Specialist - OpenbankCountry: 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.
Openbank is Santander Group's global digital consumer bank, bringing together retail banking, mobility finance and consumer lending solutions in one integrated digital platform. THE DIFFERENCE YOU MAKEOpenbank is looking for a Cards & Payments Product Innovation Specialist based out of Madrid. You will drive the evolution of the cards and payments proposition with a fintech mindset, identifying customer needs, market trends and new business opportunities and turning them into simple, distinctive and scalable digital products.
We're shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas.
Product innovation and opportunity identification : Identify unmet customer needs, fintech and retail digital trends, and new business opportunities, translating them into differentiated product concepts and scalable propositions. Define simple and intuitive customer journeys, business rules, functional requirements and acceptance criteria, ensuring commercial, regulatory and operational viability.




Data-driven validation and growth: Use customer insight, market analysis and product KPIs to validate opportunities, build business cases and assess measurable customer and business impact. Coordinate Digital Channels, UX, Technology, Operations, Risk, Compliance, Growth and external partners, providing clear product decisions and visibility to senior management.
Day-to-day project management, testing coordination and operational implementation remain with the relevant delivery teams. Assess relevant fintech, payments, digital commerce and regulatory developments, and identify partnerships or ecosystem opportunities that can improve the customer proposition or unlock growth. Experience in fintech, payments, digital commerce, wallets, card issuing, acquiring or consumer digital products will be especially valued; candidates from outside traditional banking are strongly encouraged. Additional knowledge of payments, cards, fintech, digital commerce, customer experience or digital product development will be highly valued (preferred).High level of English (Required)Hard SkillsStrong knowledge of payments, card products or adjacent fintech 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 coordinate and influence Digital Channels, UX, Technology, Operations, Risk, Compliance, Growth and external partners. Soft SkillsCuriosity 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. Strong written and oral communication skills, including senior stakeholder communication. Through BeHealthy, our general wellness programme, we promote Holistic wellbeingWe 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. The personal data you provide as well as any data generated during the selection process are confidential and will be processed by Open Bank, S.A. with registered office at Avenida de Cantabria, n/n, 28660 Boadilla del Monte (Madrid), for the sole purpose of managing your participation in the selection processes and, where appropriate, to formalise your recruitment. For further information about your rights and data protection, please read the Openbank Privacy Policy applicable to this type of data processing hereREADY TO TAKE THE NEXT STEP IN YOUR JOURNEY?

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