Payments Technical Specialist - Product Management and Business Development

• The possibility of working with a large company that facilitates professional development and growth opportunities.
• Being part of a human team, in which we work according to the values that give meaning to our daily work and commitment.
• Closeness to all people within the Entity.
• Working day compatible with family reconciliation.
• Employee Assistance Program through a set of free benefits and services to make daily life easier.
• Wide range of Social Benefits.
• A wide catalog of training.
• Total remuneration composed of Fixed + Variable + Social Benefits.

Entity: Banco de Crédito Cooperativo.

Work center: Almeria or Madrid.

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We are looking for talent, we are looking for you!

What do we need from you?

Knowledge and/or experience:

• Knowledge of retail banking products for individuals and/or companies, especially understanding of the product catalog and its management.
• Experience in design, evolution, and product lifecycle management, identifying opportunities for improvement and growth.
• Ability to define value propositions and translate business needs and concrete product initiatives.
• Ability to lead cross-functional initiatives by coordinating business, technology, operations, and commercial areas.
• Ability to set priorities and monitor strategic product initiatives.
• Good analytical skills and ease with numbers, ability to build economic models in Excel.
• Good written communication skills, development of impactful presentations that know how to tell and transmit effectively and efficiently.

• Ideally experience in Payments-related Business.
• Experience in product management, digital transformation, or strategic consulting.
• Knowledge of the payment methods ecosystem, market trends, and new digital solutions.
• Experience in defining growth, engagement, and customer loyalty strategies.
• Knowledge of SQL programming and database processing or similar.
• Good oral communication skills, conciseness, executive communication ability.
• Common sense and ability to adapt and learn.
• Good level of English.

Education:

University studies, preferably in technical degrees (mathematics, engineering, etc.) or management (Business Administration, double degree in Business and Law, etc.)

At Banco Cooperativo de Crédito, we are looking for Technical Staff in product management and business development within the payments area (Cards, Merchants-POS, and Account-to-Account Payments), with the objective of developing the commercial proposal and driving product usage throughout the customer lifecycle (recurrence, retention,...) through different channels, optimizing portfolio profitability and customer experience.

• Preparation of functional requirement documents based on needs and leadership of working groups to develop them.
• Design of lifecycle management campaigns in coordination with other areas, especially marketing and commercial.
• Analysis of activation, transactional usage, and churn metrics to identify improvement levers by proposing corrective and improvement actions.
• Definition of engagement and cross-selling strategies for products and evolution of the value proposition of the products and services under their responsibility.
• Identification of business opportunities through the analysis of customers, market, competition, and industry trends.
• Preparation and monitoring of the product evolution roadmap, prioritizing initiatives according to impact and value provided to the business and the customer.
• Functional leadership of new initiatives and coordination of the various areas involved to guarantee their correct implementation.
• Preparation of business cases and executive presentations for the assessment and prioritization of strategic initiatives.
• Coordination of commercial initiatives with the channels.
• Coordination with external providers and partners for the development of new capabilities and services.
• Liaison with operations and technology teams.
• Monitoring of results and the performance of each initiative.
• Monitoring of business indicators, profitability, adoption, and customer satisfaction for decision-making.
• Monitoring of the market, products, and competitor movements.