Credit Strategy Lead - Growth (Openbank)

Job description

Credit Strategy Lead - Growth (Openbank) Country: Spain IT STARTS HERESantander (www.santander.com) 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. Openbank the digital bank of Santander Group, is transforming the financial sector by helping millions of people from different countries managing their money. We deliver simple, fast, and secure mobile-first banking experiences through everyday banking, lending, and investments. Our core DNA—simplicity, agility, and technology—drives us to make banking accessible, intuitive, and innovative. Working through multidisciplinary teams, we prioritize innovation, collaboration, and digital transformation. We make decisions quickly, learn from our users, and constantly adapt. We're seeking passionate individuals who are excited about digital innovation, eager to impact millions of lives, and ready to thrive in a dynamic, high-performing, agile environment. Join us and be part of the digital revolution in banking. THE DIFFERENCE YOU MAKEOpenbank is looking for a Credit Strategy Lead based out of Madrid, Spain. Customer Strategy is part of Openbank's Growth organization and is responsible for defining the bank's commercial strategy across the customer lifecycle. As the starting point of the commercial journey, the team combines customer, market and business insights to shape the strategic priorities that drive acquisition, engagement and long-term value. Working cross-functionally across Growth, Customer Strategy ensures these priorities are translated into measurable business outcomes. As Credit Strategy Lead, you will shape Openbank's retail lending strategy, identifying opportunities to grow our credit business while strengthening customer engagement and profitability. You will combine credit product expertise, market insights, customer understanding and business analysis to develop differentiated commercial propositions, influence strategic decisions and drive sustainable growth across the customer lifecycle. We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: Define and continuously evolve Openbank's retail credit commercial strategy, identifying growth opportunities through market analysis, competitive benchmarking, customer insights and business performance. Develop differentiated credit value propositions and commercial initiatives, leveraging knowledge of credit products, risk frameworks and regulatory requirements to increase product adoption, cross-selling and customer engagement. Analyze customer financing needs, behavior and the end-to-end credit journey, identifying opportunities to improve product penetration, conversion and digital customer experience. Monitor key credit business KPIs, generating actionable insights to support strategic decisions. Assess and prioritize commercial opportunities, building business cases and balancing customer value, business growth, pricing and profitability. Drive cross-functional initiatives in collaboration with Data, Marketing, Product, Legal, Risk, Digital Channels and Technology teams, translating strategic priorities into actionable plans and supporting their execution. WHAT YOU’LL BRINGOur people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We’re enabling teams to go beyond by valuing who they are and empowering what they bring. The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Professional Experience5+ years of experience in Strategy Consulting, Corporate Strategy, Commercial Strategy, Business Development or Product Strategy roles within Banking, Financial Services or Fintech. Proven experience working with retail credit products, including loans, credit cards, installments, mortgages or other financing solutions, with a solid understanding of their commercial dynamics, economics and business drivers. Experience developing commercial strategies based on market, customer and business insights, with a strong analytical and results-oriented approach. Experience analyzing business performance, customer behavior and commercial KPIs to identify and prioritize growth opportunities. Experience leading cross-functional strategic initiatives involving multiple stakeholders. Exposure to credit risk policies, regulatory frameworks and digital lending environments will be highly valued. EducationRequired Bachelor’s Degree in Business Administration, Economics, Marketing, Engineering, Mathematics or a related field. Preferred Additional education or certifications in Strategy, Data Analytics, Marketing or Digital Business. LanguageSpanish (Full Professional Proficiency) (Preferred) English (Professional Working Proficiency – C1) (Required) Hard SkillsRequired Customer-centric mindset. Strategic vision for credit and customer engagement. Solid understanding of retail credit products and lending economics. Strong analytical skills with the ability to translate data into strategic decisions. Cross-functional coordination and stakeholder management. Strong execution focus and prioritization. Preferred Customer-centric mindset. Strategic vision for credit and customer engagement. Solid understanding of retail credit products and lending economics. Strong analytical skills with the ability to translate data into strategic decisions. Cross-functional coordination and stakeholder management. Strong execution focus and prioritization. Soft SkillsStructured Problem Solving. Ownership & Accountability. Rigor and attention to detail. Collaboration and influencing skills. Curiosity & Continuous Improvement. WE VALUE YOUR IMPACTYour contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers. We offer more than just a paycheck—our benefits are designed to support your life, your goals and your well-being, now and into the future. Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing We know family is everything. That’s why we offer parental leave, childcare support and family-friendly programmes tailored to each life stage. We’re enable our teams to go beyond through global opportunities and broad career paths. We believe in the power of helping. You can dedicate part of your working hours to volunteering We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way. Openbank is an equal opportunity employer. All applicants will be considered as equal without paying attention to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership nor disability status. We make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify, and build. The personal data you provide as well as any data generated during the selection process are confidential and will be processed by Open Bank, S.A. with registered office at Avenida de Cantabria, n/n, 28660 Boadilla del Monte (Madrid), for the sole purpose of man