Chief Product Officer - Auto Business - Gobal DCB

Country: Spain

GLOBAL DIGITAL CONSUMER BANK is looking for a Chief Product Officer - Auto Business  based in Spair or USA

WHAT YOU WILL BE DOING

As a Chief Product Officer (Auto Business), you will define and develop best-in-class auto lending products and partner solutions tailored for OEMs, marketplaces, fleet operators, and other strategic vendors. You’ll lead cross-functional efforts across technology, risk, operations, marketing, and business units to deliver a scalable, innovative, and customer-centric platform that powers our global Auto business of Santander. Your goal is to stay ahead of partner and customer expectations while aligning with market trends, balancing innovation, simplicity, and commercial impact at scale.

KEY FOCUS AREAS

Develop a robust and scalable auto lending platformDesign partner-centric solutions for OEMs, marketplaces, fleet operators, and other suppliersAutomate back-office functions and empower front-end sales teams with effective toolsBuild architecture capable of supporting operations in about 30 countriesInnovate for future trends such as loyalty programs, autonomous vehicles, direct sales, and emerging mobility models

KEY RESPONSIBILITIES

Own the end-to-end product vision and execution for global auto lending, aligned with overall business strategy and evolving needs of partners and consumersDefine and manage the global product roadmap, coordinating across markets and internal functions (Technology, Risk, CX, etc.)Lead cross-functional product teams (matrix or direct reporting), driving agile delivery, continuous learning, and scalable growthUnderstand and anticipate market shifts, driving innovation in credit decisioning, onboarding, digital servicing, and customer interactionsContinuously evaluate product performance with a focus on profitability, growth, NPS, and risk-adjusted returnsCollaborate with regional leaders to localize products effectively while maintaining global coherence (80-20 approach)Represent the product in strategic planning, senior leadership forums, and stakeholder meetingsDevelop seamless integration capabilities for partners (OEMs, marketplaces, fleet operators, etc.)Design future-ready solutions with a focus on loyalty, autonomous mobility, new verticals, and next-gen digital experiences

    PROFILE & EXPERIENCE

Proven product leadership experience in consumer finance, preferably within auto lending, leasing, or mobility ecosystemsStrategic thinker with strong commercial instincts and a history of delivering market-disruptive, high-performance productsFamiliarity with credit products and a strong grasp of digital platform strategies and customer behavior analyticsDemonstrated success in leading cross-functional teams within complex, matrixed, and geographically dispersed organizationsExperience working in global environments and the ability to quickly integrate and influence cross-market teams