Cards & Payments Product Innovation Specialist (Fintech)

Location: Madrid, Spain

Company

Openbank is hirify.global Group's global digital consumer bank, providing retail banking, mobility finance, and consumer lending solutions through an integrated digital platform.

What you will do

• Identify unmet customer needs, fintech and retail digital trends, and new business opportunities, translating them into differentiated and scalable card and payments products.
• Define product vision, value propositions, opportunity pipelines, and business priorities based on customer value, differentiation, business potential, strategic alignment, speed to market, and execution complexity.
• Define intuitive customer journeys, business rules, functional requirements, and acceptance criteria while ensuring commercial, regulatory, and operational viability.
• Use customer insights, market analysis, product KPIs, and business cases to validate opportunities and assess customer and business impact.
• Coordinate Digital Channels, UX, Technology, Operations, Risk, Compliance, Growth, and external partners, providing product decisions and visibility to senior management.
• Assess fintech, payments, digital commerce, and regulatory developments and identify partnership or ecosystem opportunities.

Requirements

• 4+ years of relevant experience; demonstrated product excellence, entrepreneurial drive, and tangible product outcomes are valued over tenure.
• Experience in fintech, payments, digital commerce, wallets, card issuing, acquiring, or consumer digital products is especially valued.
• Business Administration, Engineering, Economics, Finance, Design, Technology, or a similar degree is required.
• High level of English is required.
• Strong knowledge of payments, card products, or adjacent fintech propositions is required.
• Ability to identify unmet customer needs and turn loosely defined opportunities into differentiated product concepts, experiments, and scalable propositions is required.
• Outstanding product judgment and a high standard for quality, simplicity, and customer experience are required.
• Strong analytical and commercial capabilities are required, including the ability to interpret customer, market, competitor, KPI, and economics data.
• Experience defining customer journeys, value propositions, functional requirements, business rules, and acceptance criteria is required. Ability to prioritize initiatives and coordinate and influence cross-functional teams and external partners is also required.
• Resilience, pragmatism, curiosity, entrepreneurial mindset, ambition, constructive challenge, bias for action, ownership, original thinking, and the ability to inspire teams around a product vision.
• Strong written and oral communication skills, including senior stakeholder communication.

Nice to have

• Additional knowledge of payments, cards, fintech, digital commerce, customer experience, or digital product development.
• Experience outside traditional banking is welcomed.

Culture & Benefits

• Customer-centric environment focused on innovation, collaboration, bold thinking, and challenging established assumptions.
• Global opportunities and broad career paths.
• BeHealthy global wellness programme focused on holistic wellbeing.
• Parental leave, childcare support, and family-friendly programmes.
• Opportunity to dedicate part of working hours to volunteering.