Fintech Cards & Payments Product Innovator – Madrid

Banco Santander SA; Comunidad de Madrid; On-site; EUR 65,000 - 95,000; Full time

Job summary

Openbank in Madrid is seeking a Cards & Payments Product Innovation Specialist to drive the evolution of our cards and payments proposition with a fintech mindset.

You will identify unmet customer needs, define product vision, and translate opportunities into scalable digital products, partnering with Digital Channels, UX, Technology, and Risk.

The role emphasizes data-driven decision making, strong stakeholder communication, and delivering measurable outcomes in a fast-moving environment.

Qualifications

• 4+ years of relevant experience in product roles.
• Experience in fintech, payments, digital commerce, wallets, or card products is valued.
• High level of English (Required).

Responsibilities

• Identify unmet customer needs and translate them into differentiated product concepts.
• Define product vision, value proposition and prioritization.
• Define customer journeys, business rules and acceptance criteria.
• Coordinate Digital Channels, UX, Technology, Operations, Risk, Compliance, Growth and external partners.
• Monitor market trends and partnerships to improve the proposition.

Skills

Payments knowledge

Product leadership

Data analysis

Digital commerce

Education

Business/Engineering/Economics

Job description

Openbank in Madrid is seeking a Cards & Payments Product Innovation Specialist to drive the evolution of our cards and payments proposition with a fintech mindset.

You will identify unmet customer needs, define product vision, and translate opportunities into scalable digital products, partnering with Digital Channels, UX, Technology, and Risk.

The role emphasizes data-driven decision making, strong stakeholder communication, and delivering measurable outcomes in a fast-moving environment.