Director, Checking, Debit & Loyalty Products, Liberty Street, New York, NY

Your Journey Starts Here:

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 Difference You Make:

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.

• Bachelors Degree or equivalent work experience: Business Finance or equivalent field. - Required.
• Masters 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.

Certifications:
No Certifications listed for this job.

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.

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt) the annual range is based on a 40-hour work week. The exact compensation may vary based on skills experience training licensure and certifications and location.

Link to Santander Benefits:

Santander Benefits - 2025 Santander OnGoing/NH eGuide ()

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 standingand walking is required for this role. Depending on location occasional moving and lifting light equipment and/or furniture may be required.

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

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 to discuss your needs.