Product Manager - Auto Lending Pricing & Decision Platforms

Banco Santander (Brasil); Texas; Presencial; USD 120.000 - 180.000; Jornada completa

Descripción de la vacante

Santander is seeking a Sr. Associate, Product Management to lead product development for Auto Lending pricing, decisioning, and originations across consumer and commercial lending.

You will partner with Credit Risk, Pricing Strategy, Development, Operations, and Marketing to deliver scalable, compliant, and profitable solutions aligned with funding objectives. The role requires deep knowledge of auto finance pricing models, decisioning rules, and originations workflows, as well as strong

Formación

• Bachelor's Degree or equivalent work experience in Business, Finance or related field.
• 9+ years related work experience in auto financing pricing, decisioning, and originations.
• Strong understanding of regulatory requirements and their impact on pricing, decisioning, and originations.

Responsabilidades

• Lead product development for Auto Finance pricing, decisioning, and originations across consumer and commercial lending.
• Partner with cross-functional teams to deliver scalable, compliant, and profitable pricing and decisioning solutions.
• Define business and functional requirements, allocate work, and drive product strategies across decision engines and origination platforms.

Conocimientos

Auto finance pricing

Credit decisioning

Product lifecycle

Analytical skills

Strategic planning

Stakeholder management

Educación

Bachelor's Degree or equivalent

Descripción del empleo

Product Manager - Auto Lending Pricing & Decision Platforms

Country: United States of America

It Starts With You:

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and 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.

The Difference You Make:

• The Sr. Associate, Product Management leads product development processes for Auto Finance pricing, decisioning, and originations products, supporting both consumer and commercial lending.
• The role partners closely with cross-functional teams to deliver scalable, compliant, and profitable solutions that support credit risk management, pricing strategy, and funding objectives.
• This role is responsible for defining business and functional requirements, allocating work within projects or teams, and leading the design and execution of product strategies across decision engines, pricing frameworks, and origination platforms.
• Assists in leading cross-functional sessions with Credit Risk, Pricing Strategy, Development, Operations, Compliance, and Marketing teams as needed.
• Leverages strong familiarity with Auto Finance competitors, consumer and dealer behavior, and market conditions to analyze and review reports prepared by junior analysts.
• Develops deep knowledge of Auto Finance products, including pricing models, decisioning rules, originations workflows, and funding mechanics, with a strong understanding of business, functional, and technical requirements.
• Summarizes analytical findings and provides actionable recommendations for management review.
• Analyzes and defines product business cases using portfolio performance, pricing impact, credit risk outcomes, and industry benchmarks.
• Prioritizes product requirements and evaluates feasibility, regulatory impact, and return on investment.
• Documents and maintains product requirements, user stories, features, and decision logic supporting pricing and originations.
• Maintains comprehensive product documentation, including policy, decisioning, and implementation artifacts.
• Addresses customer, dealer, and internal stakeholder feedback to inform product enhancements and prioritization.
• Assists in defining product scope, ownership, and responsibilities across pricing and originations capabilities.
• Contributes to the achievement of Pricing Strategy, Credit Risk, and Originations team objectives.
• Works closely with business partners to understand end-to-end Auto Finance processes, including application intake, decisioning, pricing, funding, and servicing, ensuring solutions align with business priorities.
• Partners with Technology teams on strategic planning, architecture alignment, and Program Increment (PI) planning.
• Develops and maintains product roadmaps and platform strategies for pricing, decisioning, and originations products.
• Differentiates decisioning and pricing services based on portfolio strategy, risk appetite, and dealer/channel needs.
• Stays current on Auto Finance industry trends, regulatory developments, and emerging decisioning and pricing technologies.
• Develops consultative and innovative capabilities to enhance core pricing and decisioning solutions.
• Supports the evolution of organizational and platform structures to deliver efficient, compliant, and scalable Auto Finance solutions, with a focus on speed to market, cost reduction, and elimination of duplicative systems.

What You Bring:

• Education:Bachelor's Degree or equivalent work experience: Business, Finance or equivalent field.- Required
• Qualifications:9+ Years Related work experience. - Required.Strong understanding of Auto Finance regulatory requirements and their impact on pricing, decisioning, and originations products.Demonstrated experience in Auto Finance pricing, credit decisioning, and originations platforms, including loan and lease products.Proven understanding of the product development lifecycle within regulated financial services.Strong analytical skills and financial acumen, with the ability to assess pricing, credit risk, and profitability impacts.Demonstrated ability to develop strategic product plans and define a clear course of action to drive portfolio growth and returns.Self-starter with a forward-thinking mindset and strong ownership mentality.Ability to translate complex credi