Product Manager (Consumer Loans Norway)

Santander Consumer Bank Nordics; Bærum; On-site; NOK 900,000 - 1,300,000; Full time

Benefits offered by this job

International company

Professional, informal culture

Learning and development

Sports and social events

Nordic collaboration

Diversity and multi-cultural

Job summary

Santander Consumer Bank Nordics in Norway is seeking a Product Manager for Consumer Loans to own the product strategy, roadmap, and P&L across the full customer lifecycle. You will collaborate with Nordic teams to identify market opportunities, optimize value propositions, and keep products competitive and compliant.

Responsibilities include defining the Norwegian Consumer Loans roadmap, owning the P&L with revenue, margins, and costs, monitoring market and regulatory developments, leading

Qualifications

• Master's degree in Finance, MBA, Marketing, or equivalent
• 3+ years experience in senior commercial role
• Experience from consumer lending, banking, financial services

Responsibilities

• 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 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

Excel

PowerPoint

Norwegian/English fluency

Education

Master's degree in Finance, MBA or Marketing

Job description

Own the product strategy, roadmap, and P&L performance of the Consumer Loans portfolio in Norway across the full customer lifecycle.

• Minimum 3 years of experience in a senior commercial role, preferably in product management or business development


• Experience from consumer lending, banking, or financial services


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


• Advanced skills in Microsoft Excel and PowerPoint


• Fluent in Norwegian and English, both written and spoken


• Focus on learning and development


• Sports and social events

Take the lead in developing our Consumer Loans product in Norway!

Product Manager (Consumer Loans Norway)

Country: Norway

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.

Analytical Thinking (Working Knowledge), Partnering for Clients' Success (Working Knowledge), Financial Analysis (Extensive Experience), Taking Ownership (Working Knowledge), Investments (Working Knowledge), Regulatory Environment - Financial Services (Working Knowledge), Sales Proposals and Presentations (Working Knowledge), Fiduciary Responsibilities (Working Knowledge), Product Development Life Cycle (Working Knowledge), Teamwork (Working Knowledge)