Product Manager (Consumer Loans Norway)

Banco Santander SA; Bærum; Sur place; NOK 900 000 - 1 500 000; Plein temps

Avantages offerts par ce poste

Large international company

Professional development focus

Diverse, multi-cultural team

Nordic collaboration

Sports and social events

Competitive benefits

Résumé du poste

Banco Santander SA in Norway seeks a Product Manager for Consumer Loans to drive strategy, roadmap, and P&L for the Norwegian portfolio across the customer lifecycle. You will shape offerings from application to relationship and work with the Nordic team to stay competitive and compliant.

Required: 3+ years in senior commercial roles, experience in consumer lending, strong pricing and profitability knowledge, and fluency in Norwegian and English.

Qualifications

• Minimum 3 years of experience in a senior commercial role, preferably product management, business development, strategy, sales, or commercial planning.
• Experience in consumer lending, banking, financial services, or related industry.
• Strong understanding of consumer loan products, portfolio management, pricing, and profitability drivers.
• Experience working in cross-functional and agile environments.
• Solid knowledge of the Norwegian consumer lending market, customer behaviors, regulatory landscape and competition.

Responsabilités

• Define and execute the product strategy, vision, and roadmap for the Consumer Loans portfolio in Norway.
• Own the Consumer Loans product P&L, including revenue, margins, costs, profitability, and key commercial performance indicators.
• Monitor customer, competitor, technology, and regulatory developments and translate insights into product opportunities.
• Lead cross-functional collaboration across the organization to optimize product performance.
• Own and prioritize the product backlog, driving product development, simplification, and continuous improvement initiatives.
• Support the development of pricing, distribution channels, insurance offerings, and customer acquisition strategies to strengthen Santander's market position in Norway.

Connaissances

Commercial mindset

Analytical skills

Stakeholder management

Communication skills

Excel

PowerPoint

Agile working

Product development

Norwegian + English

Formation

Master's degree in Finance, Business Administration, Marketing, or equivalent

Description du poste

Product Manager (Consumer Loans Norway) Country: Norway What drives customers to choose one lender over another? How can we continuously improve the customer journey while delivering sustainable growth and profitability? As Product Manager – Consumer Loans Norway, you will play a key role in shaping the future of Santander's consumer lending business in Norway. You will own the product strategy, roadmap, and P&L performance of the Consumer Loans portfolio across the full customer lifecycle—from application through to the end of the customer relationship. Working closely with colleagues across the Nordic organization, you will identify market opportunities, optimize customer value propositions, and ensure our products remain competitive, compliant, and customer-focused.

In this role, you will:

• Define and execute the product strategy, vision, and roadmap for the Consumer Loans portfolio in Norway.
• Own the Consumer Loans product P&L, including revenue, margins, costs, profitability, and key commercial performance indicators, ensuring sustainable and profitable growth.
• Monitor customer, competitor, technology, and regulatory developments and translate insights into product improvements and business opportunities.
• Lead cross-functional collaboration across the organization to optimize product performance.
• Own and prioritize the product backlog, driving product development, simplification, and continuous improvement initiatives.
• Support the development of pricing, distribution channels, insurance offerings, and customer acquisition strategies to strengthen Santander's market position in Norway.

Skills Required in This Role

You are a commercially minded and customer-focused professional who enjoys combining strategic thinking with hands‑on execution. You thrive in a collaborative environment, build strong relationships across functions, and use data and market insights to make informed decisions.

Experience Minimum 3 years of experience in a senior commercial role, preferably within product management, business development, strategy, sales, or commercial planning. Experience from consumer lending, banking, financial services, or a related industry. Strong understanding of consumer loan products, portfolio management, pricing, and profitability drivers. Experience working in cross‑functional and agile environments. Solid knowledge of the Norwegian consumer lending market, customer behaviors, regulatory landscape and competitive landscape.

Education Master's degree in Finance, Business Administration, Marketing, or equivalent relevant education and experience.

Competencies and Skills

Strong commercial and analytical skills with the ability to translate insights into actions. Experience managing product performance, profitability, and business KPIs. Strong stakeholder management, communication, and presentation skills. Advanced skills in Microsoft Excel and PowerPoint. Understanding of product development methodologies and agile ways of working. Fluent in Norwegian and English, both written and spoken.

Personal Characteristics

Curious, proactive, and solution-oriented. Structured and organized with strong prioritization skills. Results-driven with a strong sense of ownership and accountability. Collaborative team player who builds trust and strong relationships. Customer-focused with the ability to balance customer needs and business objectives.

We offer:

• An opportunity to work in a large, high‑performing international company, in a dynamic environment that is constantly changing
• A corporate culture that is professional, yet informal, customer and value driven
• Highly competent and dedicated co‑workers with strong collaboration across the Nordics
• A high level of diversity and multi‑cultural working atmosphere
• A strong focus on learning and development
• Multiple sports and social events

We perform background checks on all relevant candidates. For positions that require authorization and/or confirmation of suitability, a police certificate of good conduct and credit check must be presented. Background checks are carried out with prior consent from the candidate.

If you have any questions about the role, feel free to contact the Hiring Leader, Christian T Andersen at [e-mail].

The Santander Way Santander 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. It’s 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.

Ready to make it happen? It starts with you. It starts here.