# Credit Strategy Lead - Growth (Openbank) at Santander

Santander is hiring a Credit Strategy Lead - Growth (Openbank) in Madrid, Spain. Level rates it Little AI ●○○○; you can [apply on Santander](https://jobsbylevel.com/go/552fe5f8-ca15-4bc2-8061-c1e54ac2e664?utm_medium=ai-agent).

AI Level 1, AI centrality 38 out of 100. Madrid.

## Details

- Company: [Santander](https://jobsbylevel.com/companies/santander)
- AI level: AI Level 1 (score 38 out of 100)
- Location: Madrid
- Posted: November 13, 2026
- Apply: https://jobsbylevel.com/go/552fe5f8-ca15-4bc2-8061-c1e54ac2e664?utm_medium=ai-agent
- Free CV review for this job: https://jobsbylevel.com/cv-review?job=credit-strategy-lead-growth-openbank-at-santander-e6752a

## Description

Credit Strategy Lead - Growth (Openbank) Country: Spain IT STARTS HERE Santander ( 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 MAKE Openbank 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 BRING Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization.

The description is cut here. Read the full offer: https://jobsbylevel.com/jobs/credit-strategy-lead-growth-openbank-at-santander-e6752a

Source: https://jobsbylevel.com/jobs/credit-strategy-lead-growth-openbank-at-santander-e6752a

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