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Director, Checking, Debit & Loyalty Products

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

The Director of Digital Banking Products will lead strategy, development, and performance for our core retail banking products, including checking accounts, debit cards, and customer loyalty programs. This is a key leadership role responsible for defining and executing product strategies that drive customer acquisition, engagement, and deposit growth. The ideal candidate brings a strong product management background, deep understanding of the consumer banking landscape, and a proven track record of building and optimizing digital financial products that deliver both business and customer value.

Strategic Product Leadership

• Define and execute multi-year product strategies for checking, debit, and loyalty programs, aligned with enterprise goals.
• Lead development and prioritization of product roadmaps focused on digital innovation, revenue growth, and competitive differentiation.
• Own the go to market strategy, product position and channel strategy to drive efficient, scalable distribution motions.
• Monitor product performance, competitive trends, and customer feedback to drive continuous improvement and evolution.
• Collaborate with Finance, Marketing, and Data teams to build and track KPIs tied to customer growth, product profitability, and loyalty engagement.

Product Development & Lifecycle Management

• Own the end-to-end product lifecycle, from ideation and business case development to launch and ongoing optimization.
• Partner with Technology, UX, and Operations teams to deliver seamless digital account opening, onboarding, and servicing experiences.
• Drive enhancements such as digital card issuance, card controls, rewards integrations, seamless money movement and personalized product experiences.

Customer Growth & Loyalty

• Develop loyalty strategies that deepen customer relationships, increase transaction activity, and promote multi-product adoption.
• Partner with Marketing and Analytics teams to design campaigns and offers that drive growth and retention.
• Utilize data insights to tailor engagement strategies and refine targeting across customer segments.

Cross-functional Team Collaboration

• Lead and mentor a team of product managers and analysts responsible for execution and delivery.
• Serve as the strategic point of contact for internal stakeholders including Compliance, Risk, Finance, and Executive Leadership.
• Represent product strategy in key planning forums and governance committees.

What You Bring

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's Degree or equivalent work experience: Business, Finance or equivalent field. - Required.
• Master's Degree Business, Finance or equivalent field. - Preferred.

• 9+ Years experience in product management within retail banking or fintech, with focus on checking, debit, or loyalty programs. - Required.

• Proven ability to design and launch digital financial products that drive business outcomes.
• Strong strategic thinking, with ability to translate customer needs and market trends into actionable plans.
• Demonstrated understanding of digital banking ecosystems, APIs, payments infrastructure, and regulatory frameworks.
• Experience using analytics to guide decision-making and measure performance.
• Strong leadership, communication, and stakeholder management skills.

Preferred Skills

• Experience with digital account opening and servicing platforms.
• Familiarity with card networks (Visa, Mastercard) and debit program management.
• Understanding of customer segmentation, lifecycle marketing, and loyalty design.
• Experience in Agile development environments and tools.

Base Pay Range

Minimum: $116,250.00 USD

Maximum: $210,000.00 USD

Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.