Product Manager – Auto Lending Pricing & Decision Platforms

Banco Santander•Dallas, TX

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 that support credit risk management, pricing strategy, and funding objectives. It defines business and functional requirements, allocates work within projects or teams, and leads product strategies across decision engines, pricing frameworks, and origination platforms. The position works with Credit Risk, Pricing Strategy, Development, Operations, Compliance, Marketing, Technology, and other business partners. It develops product business cases and recommendations using portfolio performance, pricing impacts, credit risk outcomes, and industry benchmarks; prioritizes requirements based on feasibility, regulatory impact, and return on investment; and maintains product, policy, decisioning, and implementation documentation. The role also develops product roadmaps and platform strategies, supports strategic planning and PI planning, and helps evolve organizational and platform structures to improve speed to market, reduce costs, and eliminate duplicative systems. The position requires deep knowledge of Auto Finance products, processes, market conditions, regulatory developments, and emerging decisioning and pricing technologies.

Requirements

Bachelor’s degree or equivalent work experience in Business, Finance, or an equivalent field.
At least 9 years of related work experience.
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 the 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 both Waterfall and Agile delivery methodologies.
Hands-on experience with Agile Scrum practices, including daily standups, PI planning, sprint planning, sprint reviews, and retrospectives.
Legally authorized to work full-time in the United States without 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

Lead product development processes for Auto Finance pricing, decisioning, and originations products for consumer and commercial lending.
Define business and functional requirements, allocate work within projects or teams, and lead product strategy across 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 and review reports prepared by junior analysts, drawing on familiarity with Auto Finance competitors, consumer and dealer behavior, and market conditions.
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, and policy, decisioning, and implementation artifacts.
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 ensure solutions align 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 according to 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 organizational and platform evolution to deliver efficient, compliant, and scalable Auto Finance solutions, emphasizing speed to market, cost reduction, and elimination of duplicative systems.
Perform other duties as assigned by supervisors or managers.