Product Pricing Manager
hace 3 días
Boadilla del Monte
ph3Product Pricing Manager /h3 pCountry: Spain /p pbSantander Insurance /b is looking for a Product Pricing – Senior Manager to play a key role in the evolution and growth of the Protection vertical (Auto, Home, Health and other protection products) within the Santander ecosystem. /p pThis position will report to Nuria Aranda Rodríguez and will be based in Boadilla del Monte. /p h3ABOUT CHALLENGE AND OPPORTUNITY /h3 pInsurance is a core component of Santander’s business, generating a profit contribution of approximately b€1.6bn /b and serving more than b20 million customers globally /b. Insurance plays a critical role in customer loyalty, as insured customers stay longer with the bank, while supporting Santander’s mission of providing financial protection that enables people and businesses to prosper. /p pOver recent years, the business has grown at double‑digit rates (excluding 2020 due to COVID) and has made significant progress in expanding its product offering and transforming sales processes into digital journeys. /p pHowever, there is still substantial untapped potential. Digital penetration varies widely across countries and products, and conversion rates remain below their full potential. Capturing this opportunity requires scaling experimentation, simplifying journeys, strengthening omnichannel distribution, evolving to a customer‑centric insurance value proposition, and embedding a strong data‑driven culture across markets. /p pWithin Santander, the bInsurance Domain /b drives the transformation of the insurance business by evolving products, processes and digital capabilities. /p pThe bProtection vertical /b is a core pillar of Santander’s revenue diversification and customer loyalty strategy within Insurance. It includes: /p ul liAuto Insurance /li liHome Insurance /li liHealth Insurance /li liOmnichannel distribution (digital, branches, call center) /li li(Other relevant protection products / add‑ons) /li /ul pAs part of this ambition, we are looking for a bProduct Pricing Senior Manager with strong product mindset, value orientation and experience in corporate agile environments /b, capable of translating strategy into execution and maximizing product value end‑to‑end. /p p is proud to be an equal opportunities employer regardless of gender identity, culture or disability. Our mission is to contribute to more people and businesses prospering. We are key players in the transformation of the financial sector. /p h3YOUR MISSION /h3 pAs bProduct Pricing Senior Manager – Protection /b, your mission will be to maximize the value of the Protection product portfolio (Auto, Home, Health and other protection products) within the Santander ecosystem. /p pYou will align business strategy, customer experience, regulatory requirements and technological capabilities to drive bgrowth, profitability and customer satisfaction /b. /p pYou will act as the functional product owner, prioritizing initiatives, making data‑driven decisions and ensuring successful end‑to‑end execution. /p h3KEY RESPONSIBILITIES /h3 ul liOwn and drive the bpricing strategy /b and value proposition for the Protection business, ensuring alignment with commercial objectives, regulatory standards, and profitability goals. /li liDevelop badvanced pricing frameworks /b for protection insurance products through scalable machine learning solutions tailored to regulated environments. /li libOptimize underwriting processes /b across key protection products and distribution channels, balancing risk management, efficiency, and customer experience. /li liLead the design and bimplementation of AI‑driven real‑time pricing models /b, leveraging behavioral, transactional, and contextual data to enable dynamic and personalized pricing decisions. /li liBuild bcontextual pricing capabilities /b that adapt pricing dynamically according to customer intent, purchase journey, channel, timing, and behavioral signals. /li libDetect and prioritize growth opportunities /b across acquisition, conversion, retention, cross‑selling, and customer lifetime value optimization. /li liContinuously assess bmarket dynamics, competitive landscape, and insurtech innovation /b to support product evolution in collaboration with cross‑functional teams such as Digital, CLTV, and New Ventures. /li liDefine and track key product and bportfolio KPIs /b to measure commercial performance, customer impact, and sustainable growth. /li libManage stakeholder expectations /b and align priorities across functions and geographies. /li liCollaborate with bmultidisciplinary teams /b. /li liFoster an empirical, test‑and‑learn mindset and continuous improvement culture. /li liTranslate business needs into clear epics, features and user stories, with well‑defined acceptance criteria. /li /ul h3REQUIRED EXPERIENCE /h3 h3Professional Background /h3 ul liMinimum 10 b+ years of experience /b in Product Pricing, Product Manager or Business Product Lead roles. /li liExperience in:ul liInsurance (preferably Auto, Home or Health), bor /b /li liFinancial services environments. /li /ul /li liExperience working closely with technology teams in agile setups. /li liSolid understanding of the insurance business model and product economics. /li liProven experience in backlog management and prioritization. /li liStrong knowledge of product metrics and data‑driven decision‑making. /li liExperience working in agile environments (Scrum, Kanban or hybrid models). /li /ul h3REQUIRED EDUCATION, KNOWLEDGE, AND TRAITS /h3 h3Core Competencies /h3 ul liStrong decision‑making capability. /li liStrategic thinking combined with execution focus. /li liCustomer‑centric mindset. /li liCross‑functional influence without formal authority. /li liStrong analytical capability. /li liClear and structured communication skills. /li liHigh level of autonomy and accountability. /li /ul h3Nice to Have /h3 ul liExperience in both banking and insurance environments. /li liExperience in digital insurance distribution. /li liExperience working with external partners or joint ventures. /li /ul ul liBackground in digital transformation initiatives. /li /ul /p #J-18808-Ljbffr