Product Manager – Auto Lending Pricing & Decision Platforms

Lead product development for Auto Finance pricing, decisioning, and origination platforms that support consumer and commercial lending at Santander.

Responsibilities

• Define business and functional requirements, allocate work across projects or teams, and drive execution of product strategies for decision engines, pricing frameworks, and origination platforms.
• Assist with cross-functional product sessions with Credit Risk, Pricing Strategy, Development, Operations, Compliance, and Marketing.
• Use competitor familiarity and insight into consumer and dealer behavior and market conditions to review analysis and reports prepared by junior analysts.
• Build deep knowledge of Auto Finance products across pricing models, decisioning rules, origination workflows, and funding mechanics, aligned to business, functional, and technical requirements.
• Summarize analytical findings and provide actionable recommendations for management review.
• Create and assess product business cases using portfolio performance, pricing impact, credit risk outcomes, and industry benchmarks.
• Prioritize product requirements while evaluating feasibility, regulatory impact, and return on investment.
• Document and maintain product requirements, user stories, features, and decision logic for pricing and origination.
• Maintain comprehensive product documentation, including policy, decisioning, and implementation artifacts.
• Incorporate customer, dealer, and internal stakeholder feedback to guide enhancements and prioritization.
• Help define product scope, ownership, and responsibilities across pricing and originations capabilities.
• Contribute to achieving Pricing Strategy, Credit Risk, and Originations team objectives.
• Partner to understand end-to-end Auto Finance processes, including application intake, decisioning, pricing, funding, and servicing.
• Collaborate with Technology teams on strategic planning, architecture alignment, and Program Increment (PI) planning.
• Develop and maintain product roadmaps and platform strategies for pricing, decisioning, and originations.
• Differentiate decisioning and pricing services based on portfolio strategy, risk appetite, and dealer or channel needs.
• Stay current on Auto Finance industry trends, regulatory developments, and emerging decisioning and pricing technologies.
• Enhance core pricing and decisioning capabilities through consultative and innovative approaches.
• Support evolution of organizational and platform structures to deliver efficient, compliant, scalable solutions, with focus on speed to market, cost reduction, and elimination of duplicative systems.

Requirements

• Bachelor’s Degree or equivalent work experience in Business/Finance (or equivalent field) (Required).
• 9+ years related work experience (Required).
• Strong understanding of Auto Finance regulatory requirements and impact on pricing, decisioning, and originations.
• Demonstrated Auto Finance experience in pricing, credit decisioning, and origination platforms, including loan and lease products.
• Proven understanding of the product development lifecycle within regulated financial services.
• Strong analytical skills and financial acumen to evaluate pricing, credit risk, and profitability impact.
• Ability to develop strategic product plans and define a course of action that drives portfolio growth and returns.
• Self-starter mindset with strong ownership.
• Ability to translate complex credit, pricing, and regulatory requirements into scalable product features.
• Strong communication skills for partnering with internal teams, dealer-facing partners, and executive leadership.
• Experience working in Agile and SDLC frameworks in financial services.
• Integrity and professionalism when interacting with stakeholders at all levels.
• Excellent verbal, written, and interpersonal communication.
• Strong project and stakeholder management capabilities.
• Experience with both Waterfall and Agile delivery methodologies.
• Hands-on experience with Agile Scrum practices including Daily Standups, PI Planning, Sprint Planning, Sprint Reviews, and Retrospectives.
• Product Management certification (Preferred).

Technologies

• Agile
• SDLC
• Waterfall
• Agile Scrum
• Program Increment (PI) planning

Benefits

• Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)

Nice to Have

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Experience with Auto Finance decision engines, pricing models, and origination platforms.
• Proficiency with Microsoft Office products.

Working Conditions

• Frequent minimal physical effort such as sitting, standing, and walking is required.
• Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

Risk Culture

• Proactive and responsible approach toward risk management is expected of all professionals at all levels.

Base Pay Range

• Minimum: $93,750.00 USD per year
• Maximum: $165,000.00 USD per year

Work Authorization & Sponsorship

• Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

Location: Austin, TX (onsite).

Note: This job description does not list all duties; the employer may revise the job description at any time, and it is not a contract for employment. Employment may be terminated by either you or the employer at any time for any reason.

Santander supports an inclusive and accessible application process for all candidates.