Product Owner | S3 | Homes | London or Milton Keynes | Internal Mobility

Country: United Kingdom

IT STARTS HERE

Santander is evolving from a global, high-impact brand into a technology-driven organisation, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a robust risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Retail & Commercial Banking is a global business integrating all our retail and commercial banking activities to better serve our customers, improve efficiency and drive value creation.

THE DIFFERENCE YOU MAKE

The Home business is looking for a Product Owner based out of London or Milton Keynes. Join our Digital & Direct Customer team and help shape the future of one of the most important financial journeys our customers make. The Homes Digital team is responsible for creating and continually improving digital experiences across the home and mortgage lifecycle, including mortgage sales, mortgage servicing, contract variations and home management.

As Product Owner for our digital mortgage application journey, you’ll take ownership of a core proposition and play a key role in defining what comes next. Our ambition is not simply to keep pace with the market, but to continue to lead it – using customer insight, technology and innovation to make applying for a mortgage simpler, faster and more intuitive. This is an opportunity to own a strategically important customer journey end to end. You’ll combine product thinking, customer experience and commercial judgement with excellent delivery leadership, working across Santander to turn ideas and customer needs into experiences used by thousands of customers.

We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for:

• Owning the vision, roadmap and ongoing development of Santander’s digital mortgage application journey, balancing customer, business and strategic priorities.
• Leading the end-to-end delivery of new features and improvements, from identifying opportunities and defining the customer problem through to launch, measurement and continuous optimisation.
• Using customer insight, data, market trends and competitor understanding to identify opportunities to improve the journey and maintain our market-leading position.
• Designing simple, intuitive and inclusive customer journeys, thinking beyond individual screens or features to consider the complete end-to-end mortgage and home-buying experience.
• Building, managing and prioritising the product backlog and roadmap, making clear prioritisation decisions based on customer value, business benefit, risk, effort and strategic alignment.
• Working closely with Technology, UX, Data, Mortgage Product, Operations, Risk, Compliance and other teams to turn customer and business needs into high-quality digital experiences.
• Developing compelling business cases and recommendations for investment, clearly articulating customer outcomes, commercial benefits, costs, risks and measures of success.
• Bringing new ideas and challenging existing ways of working, identifying opportunities to use emerging technology, automation and innovation to create better outcomes for our customers and the business.

WHAT YOU’LL BRING

Our people are our greatest strength. Every individual contributes unique perspectives that make us greater as a team and as an organisation. We’re enabling teams to go beyond by valuing who they are and empowering what they bring. The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Professional Experience
• Experience working in digital product management, product ownership or a closely related role, with responsibility for delivering and improving customer-facing digital products or journeys. (Required)
• Experience taking customer or business problems from discovery through to delivery, launch and continuous improvement. (Required)
• Experience working with cross-functional teams, including Technology and UX/Design, to deliver digital products in an Agile environment. (Required)
• Experience prioritising competing requirements and making evidence-based product decisions across complex customer and stakeholder needs. (Required)
• Experience influencing and working with senior stakeholders across multiple business areas. (Required)
• Experience within financial services, mortgages, home buying or another regulated industry. (Preferred)
• Education
• Relevant professional experience or a degree/equivalent qualification demonstrating the skills required to succeed in a digital product role. (Required)
• Product management, Agile, UX, design thinking or related professional qualifications. (Preferred)
• Languages
• English (Required)
• Hard Skills
• Excellent product management and product ownership capability, including product vision, roadmap development, backlog management, feature definition and prioritisation. (Required)
• Excellent understanding of customer journey design, UX principles and customer-centred product development. (Required)
• Ability to use customer insight, analytics and other evidence to identify problems, develop opportunities and make informed product decisions. (Required)
• Ability to translate complex customer and business requirements into clear product requirements, user stories and outcomes for delivery teams. (Required)
• Great commercial and analytical capability, including the ability to develop business cases, assess benefits and support investment decisions. (Required)
• Understanding of Agile product development and experience working effectively with multidisciplinary delivery teams. (Required)
• Understanding of digital mortgage journeys, mortgage products or the wider home-buying journey. (Preferred)
• Experience using experimentation, prototyping or product discovery techniques to validate opportunities before committing to full-scale delivery. (Preferred)
• Soft Skills
• Customer obsessed – able to understand customer needs and advocate for simple, intuitive experiences while balancing commercial, regulatory and operational considerations. (Required)
• Ownership mindset – comfortable taking accountability for a product and making decisions to move it forward. (Required)
• Strategic thinker – able to connect individual features and improvements to a broader product vision and end-to-end customer journey. (Required)
• Great communicator and influencer – able to build relationships, create alignment and bring stakeholders with you, including when priorities or perspectives differ. (Required)
• Curious and innovative – actively looks for new ideas, emerging technologies and better ways to solve customer problems. (Required)
• Pragmatic decision-maker – comfortable navigating ambiguity, making trade-offs and balancing customer value, business benefit, risk and delivery complexity. (Required)
• Collaborative leader – able to create clarity and momentum across multidisciplinary teams without relying on formal authority. (Required)

WE VALUE YOUR IMPACT

At Santander, your contribution matters. We recognise the difference you make every day, and we make sure you feel valued, supported and rewarded in return. Here, recognition goes beyond pay. It’s about the pride you feel in your work, the impact you have on customers and communities, and the opportunities you have to grow and thrive — personally and professionally.

Salary Range: £52,459.00 - £78,689.00 per annum (depending on experience). This salary range represents the expected remuneration for the role. Annual salary is based on a standard 35-hour working week. Actual salary offered will depend on skills, experience, qualifications and location.

Competitive rewards that reflect the real impact you make and the value you bring. Wellbeing that goes beyond work — we work with a range of wellbeing partners across our 4 pillars of wellbeing (physical, mental, social and financial) to give you access to a suite of apps, discounted gym and fitness access, weekly online classes, flexible healthcare and mental health support. Support for every life stage — from menopause and pregnancy to parenthood and beyond, with enhanced family leave, childcare options and tailored wellbeing support. Time to give back through volunteering opportunities that let you make a difference in the communities we serve. Global growth opportunities to shape your career, learn new skills and explore what’s possible across our international network.

Ready to be recognised? It starts with you.

LOCAL COMPLIANCE

At Santander, we’re proud to be an inclusive organisation that provides equal opportunities for everyone — regardless of age, gender, disability, civil status, race, religion or sexual orientation. We’re committed to creating a recruitment experience that’s accessible, fair and welcoming for all candidates. We want our people to thrive — at work and at home — while delivering the best outcomes for our customers and supporting each other to grow. To make this possible, our roles are site-based with a hybrid working pattern, where colleagues are expected to attend the office at least 12 days per month (pro-rata for part-time roles). When applying, please consider the travel distance, time and cost to your chosen office location(s).

WHAT TO DO NEXT

If this sounds like a role you are interested in, then please apply. For further Guidance please visit Internal Mobility - Candidate Guidance. If you want to know more about the opportunity: Please contact: Gary Massey - gary.massey@santander.co.uk