IT STARTS HERE 

Santander (www.santander.com) 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 whats possible. 

This is more than a strategic shift. Its 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 MAKE 

Wealth Management & Insurance is looking for a  Product Owner Insurance Value Chain Manager  based out of Madrid. 

Lead the development and execution of Santanders global digital insurance initiatives and embedded insurance capabilities across the bank ecosystem. 

Were 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: 

• 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  

• Define 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  

• Own 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  

• Lead 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  

• Lead 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  

• Design 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  

• Coordinate with global and local insurance teams and countries  

• Partner with digital, technology, data and business stakeholders  

• Align priorities across countries and platforms  

WHAT YOULL BRING 

Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. Were 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 Experience 

• 12+ 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)  

Education 

Languages 

• Fluent in English and Spanish. (Required)  

Hard Skills 

• Strong 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 Skills 

• Leadership 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 IMPACT 

Your contribution matters, and its 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. 

Were enable our teams to go beyond through global opportunities and broad career paths. 

Flexibility that works. Enjoy a hybrid working modelssome days remote, some days onsite with your teamalong with flexible hours. 

Learning for life. Access hundreds of courses on our platforms, including exclusive access to our global learning space: Santander Open Academy (www.santanderopenacademy.com) 

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. Thats 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 thats only the beginningwell tell you more when you join! 

Were here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way. 

LOCAL COMPLIANCE