Product Manager (Consumer Loans Norway)

Santander Nordics; Oslo fylke; On-site; NOK 1,000,000 - 1,400,000; Full time

Job summary

Santander Nordics is seeking a Product Manager – Consumer Loans Norway to shape the future of consumer lending in Norway. You will own the product strategy, roadmap, and P&L across the full customer lifecycle, collaborating with teams across the Nordics to identify opportunities and keep our products competitive and compliant.

In this role you will lead backlog prioritization, support pricing and distribution strategies, and ensure strong customer value while driving sustainable growth.

Qualifications

• Minimum 3 years in a senior commercial role in product management or related fields.
• Experience in consumer lending, banking, or financial services.
• Strong understanding of product pricing, profitability, and portfolio management.
• Experience working in cross-functional and agile environments.
• In-depth knowledge of Norwegian consumer lending landscape, customer behavior, and regulation.

Responsibilities

• Define and execute the product strategy, vision, and roadmap for Consumer Loans in Norway.
• Own the product P&L, including revenue, margins, costs, and KPIs.
• Monitor market, competitive, regulatory developments and translate insights into improvements.
• Lead cross-functional collaboration to optimize product performance.
• Own and prioritize the product backlog and drive development and simplification.
• Support pricing, distribution channels, and customer acquisition strategies to strengthen Santander's market position in Norway.

Skills

Commercial mindset

Customer-focused

Strategic thinking

Data-driven decisions

Stakeholder management

Cross-functional collaboration

Analytical skills

Agile awareness

Norwegian market knowledge

Presentation skills

Education

Master's degree in Finance/Business/Marketing

Tools

Excel

PowerPoint

Job description

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

Interested in This Opportunity?

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

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.