Product Manager – Auto Lending Pricing & Decision Platforms

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. If you are interested in exploring the possibilities We Want to Talk to You! 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: 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. 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 credit, pricing, and regulatory requirements into scalable product features. Strong communication skills with the ability to engage internal teams, dealer-facing partners, and executive leadership. Experience working within Agile and SDLC frameworks in a financial services environment. Demonstrates integrity and professionalism when interacting with stakeholders at all levels. Excellent verbal, written, and interpersonal communication skills. Strong project and stakeholder management capabilities. Experience with both Waterfall and Agile delivery methodologies. Hands-on experience with Agile Scrum practices (Daily Standups, PI Planning, Sprint Planning, Sprint Reviews, and Retrospectives). Certifications: Product Management certification — Preferred. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Experience wi