Product Manager – Auto Lending Pricing & Decision Platforms

Santander • Dallas, TX

2d • $93,750 - $165,000

About The Position

The Sr. Associate, Product Management leads product development for Auto Finance pricing, decisioning, and originations products supporting consumer and commercial lending. The role partners with cross-functional teams to deliver scalable, compliant, and profitable solutions for credit risk management, pricing strategy, and funding objectives.

This position defines business and functional requirements, allocates work within projects or teams, and leads product strategy across decision engines, pricing frameworks, and origination platforms. It develops product business cases, roadmaps, platform strategies, and documentation; prioritizes requirements based on feasibility, regulatory impact, and return on investment; and turns analytical findings into actionable recommendations for management.

The role works with Credit Risk, Pricing Strategy, Development, Operations, Compliance, Marketing, Technology, and other business partners. It supports end-to-end Auto Finance processes from application intake and decisioning through pricing, funding, and servicing, while aligning solutions with portfolio strategy, risk appetite, dealer and channel needs, and business priorities. The position also monitors industry trends, regulatory developments, and emerging technologies and supports organizational and platform evolution focused on speed to market, cost reduction, compliance, scalability, and elimination of duplicative systems.

Requirements

• Bachelor's degree in Business, Finance, or an equivalent field, or equivalent work experience (required).
• At least 9 years of 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.
• Understanding of the product development lifecycle within regulated financial services.
• Strong analytical skills and financial acumen, including ability to assess pricing, credit risk, and profitability impacts.
• Ability to develop strategic product plans and define a 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 and ability to engage internal teams, dealer-facing partners, and executive leadership.
• Experience working within Agile and SDLC frameworks in a financial services environment.
• 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 Waterfall and Agile delivery methodologies.
• Hands-on experience with Agile Scrum practices, including Daily Standups, PI Planning, Sprint Planning, Sprint Reviews, and Retrospectives.
• Applicants must be legally authorized to work in the United States full-time without requiring employer sponsorship to commence employment.

Nice To Haves

• Product Management certification.
• 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.

Responsibilities

• Define business and functional requirements and lead product strategy for Auto Finance decision engines, pricing frameworks, and origination platforms.
• Assist in leading cross-functional sessions with Credit Risk, Pricing Strategy, Development, Operations, Compliance, and Marketing teams.
• Analyze Auto Finance competitors, consumer and dealer behavior, and market conditions; review reports prepared by junior analysts.
• Develop knowledge of Auto Finance products, pricing models, decisioning rules, origination workflows, and funding mechanics, including related business, functional, and technical requirements.
• Summarize analytical findings and provide actionable recommendations for management review.
• Develop product business cases using portfolio performance, pricing impact, credit risk outcomes, and industry benchmarks.
• Prioritize product requirements and evaluate feasibility, regulatory impact, and return on investment.
• Document and maintain product requirements, user stories, features, decision logic, policies, decisioning artifacts, and implementation materials.
• Use customer, dealer, and internal stakeholder feedback to inform product enhancements and prioritization.
• Assist in defining product scope, ownership, and responsibilities across pricing and originations capabilities.
• Contribute to Pricing Strategy, Credit Risk, and Originations team objectives.
• Work with business partners to understand end-to-end Auto Finance processes, including application intake, decisioning, pricing, funding, and servicing, and align solutions with business priorities.
• Partner 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 products.
• Differentiate decisioning and pricing services based on portfolio strategy, risk appetite, and dealer and channel needs.
• Stay current on Auto Finance industry trends, regulatory developments, and emerging decisioning and pricing technologies.
• Develop consultative and innovative capabilities to enhance core pricing and decisioning solutions.
• Support evolution of organizational and platform structures to deliver efficient, compliant, and scalable Auto Finance solutions, focusing on speed to market, cost reduction, and eliminating duplicative systems.
• Take a proactive and responsible approach toward risk management.

Benefits

• The company describes its rewards package as fair and competitive and says its benefits are designed to support employees, their families, and well-being; specific benefits are not listed in the posting.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior