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Product Manager – Auto Lending Pricing & Decision Platforms

Santander Bank Austin, TX

Austin, TX

Today

$94k - $165k/yr Full time Auto Lending Pricing Data Analytics Decisioning

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Job Description

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.

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